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Osage Valley Bank

Warsaw, MO · Cert 1952

FDIC

Q4 2006

$108.9MAssets
$58.6MLoans
$92.4MDeposits
$10.0MEquity
Loan mix
95%RE $44.6M5%C&I $2.2M0%Consumer $0.1MQ4 2005Q4 2006
Deposit mix
92%Interest-bearing $85.1M8%Noninterest $7.3MQ4 2005Q4 2006

NIM

4.71%Q4 ’044.89%Q4 ’055.20%Q4 ’06-14%-11%

Non-interest income vs. expense

1.98%Q4 ’042.22%Q4 ’052.32%Q4 ’06-13%+27%

Executive Summary

  • Earnings: ROA of 0.31%, down 45 bps year over year; NIM at 2.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 63.41% of deposits as of Q4 2006.

Financial Results

Return on Assets (quarter, annualized)

0.31%-45 bps YoY

Net Interest Margin (quarter, annualized)

2.11%-27 bps YoY

Efficiency Ratio (quarter, annualized)

85.91%+1,733 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.76%0.60%0.45%0.47%0.31%-45 bps
Return on Equity7.82%6.43%4.96%5.16%3.31%-452 bps
Net Interest Margin2.39%2.27%2.08%2.05%2.11%-27 bps
Efficiency Ratio68.58%71.43%77.47%78.70%85.91%+1,733 bps
Non-Interest Burden1.37%1.46%1.48%1.48%1.73%+36 bps
Growth
Asset Growth (YoY)4.95%4.17%8.00%7.63%6.37%+143 bps
Loan Growth (YoY)9.35%14.04%8.86%9.80%9.10%-26 bps
Deposit Growth (YoY)4.62%5.20%14.43%13.10%8.89%+427 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.14%0.16%0.04%+4 bps
Allowance / Loans1.02%1.02%0.98%0.91%0.91%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.43%11.44%11.48%11.52%11.02%-42 bps
Equity / Assets9.20%9.41%8.94%9.30%9.19%-1 bps
Liquidity & Funding
Loans / Deposits63.29%64.62%62.66%64.42%63.41%+12 bps
Liquid Assets / Assets0.16%2.18%1.62%1.69%4.51%+435 bps
CRE / Total Capitaln/an/an/an/an/an/an/a