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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 $0.1MQ1 2005Q4 2006
Deposit mix
92%Interest-bearing $85.1M8%Noninterest $7.3MQ1 2005Q4 2006

Executive Summary

  • Earnings: ROA of 0.45%, down 42 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 63.41% of deposits as of Q4 2006.

Return on Assets (YTD, annualized)

0.45%-42 bps YoY

Net Interest Margin (YTD, annualized)

2.09%-47 bps YoY

Efficiency Ratio (YTD, annualized)

78.39%+1,719 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.56%Q4 ’044.76%Q4 ’054.96%Q4 ’06-9%-18%

Non-interest income vs. expense

1.83%Q4 ’041.92%Q4 ’052.10%Q4 ’06-6%+13%

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.93%0.95%0.92%0.88%0.60%0.52%0.51%0.45%-42 bps
Return on Equity9.51%9.52%9.19%8.90%6.43%5.70%5.50%4.93%-397 bps
Net Interest Margin2.68%2.71%2.65%2.55%2.27%2.15%2.09%2.09%-47 bps
Efficiency Ratio57.16%57.26%58.63%61.20%71.43%74.42%75.85%78.39%+1,719 bps
Non-Interest Burden1.37%1.36%1.35%1.34%1.46%1.45%1.44%1.51%+17 bps
Growth
Asset Growth (YoY)8.15%8.88%4.31%4.95%4.17%8.00%7.63%6.37%+143 bps
Loan Growth (YoY)6.67%10.29%9.36%9.35%14.04%8.86%9.80%9.10%-26 bps
Deposit Growth (YoY)9.87%5.71%4.09%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.07%0.10%0.08%+8 bps
Allowance / Loans1.07%1.02%1.02%1.02%1.02%0.98%0.91%0.91%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital12.55%12.28%12.30%11.43%11.44%11.48%11.52%11.02%-42 bps
Equity / Assets9.75%10.24%10.18%9.20%9.41%8.94%9.30%9.19%-1 bps
Liquidity & Funding
Loans / Deposits59.61%65.86%66.36%63.29%64.62%62.66%64.42%63.41%+12 bps
Liquid Assets / Assets1.11%0.18%0.16%0.16%2.18%1.62%1.69%4.51%+435 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a