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Twin Lakes National Bank

Wichita, KS · Cert 19563

FDIC

Q2 2004

$143.9MAssets
$129.9MLoans
$128.1MDeposits
$12.5MEquity
Loan mix
28%RE $4.3M72%C&I $11.0M0%Consumer $0.0MQ2 2003Q2 2004
Deposit mix
88%Interest-bearing $112.2M12%Noninterest $15.9MQ2 2003Q2 2004

NIM

7.30%Q2 ’026.26%Q2 ’035.56%Q2 ’04-11%-8%

Non-interest income vs. expense

3.18%Q2 ’022.92%Q2 ’033.03%Q2 ’04-9%+9%

Executive Summary

  • Earnings: ROA of 1.83%, down 20 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Funding: loans stand at 101.43% of deposits as of Q2 2004.

Financial Results

Return on Assets (quarter, annualized)

1.83%-20 bps YoY

Net Interest Margin (quarter, annualized)

4.01%-35 bps YoY

Efficiency Ratio (quarter, annualized)

62.61%+707 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets2.03%2.28%1.80%1.67%1.83%-20 bps
Return on Equity23.83%26.49%20.21%18.92%20.98%-285 bps
Net Interest Margin4.37%4.27%4.23%4.14%4.01%-35 bps
Efficiency Ratio55.54%59.11%56.65%62.78%62.61%+707 bps
Non-Interest Burden2.03%2.21%2.03%2.35%2.20%+18 bps
Growth
Asset Growth (YoY)6.33%2.61%0.39%1.11%0.84%-549 bps
Loan Growth (YoY)12.70%8.56%7.13%1.12%5.03%-767 bps
Deposit Growth (YoY)5.96%4.63%-2.38%1.37%-1.26%-721 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.23%0.14%0.34%0.13%0.11%-12 bps
Allowance / Loans0.98%0.83%0.83%0.83%0.74%-24 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 Capital9.98%10.46%10.47%10.43%10.05%+7 bps
Equity / Assets8.32%8.89%8.92%8.77%8.70%+38 bps
Liquidity & Funding
Loans / Deposits95.36%97.63%102.03%97.16%101.43%+607 bps
Liquid Assets / Assets7.16%6.86%5.88%5.75%5.78%-138 bps
CRE / Total Capitaln/an/an/an/an/an/an/a