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Bannister Bank and Trust

Kansas City, MO · Cert 19582

FDIC

Q1 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2012, the quarter ended March 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bannister Bank and Trust

Kansas City, MO · Cert 19582

FDIC

Q1 2012

$456.4MAssets
$341.3MLoans
$413.9MDeposits
$16.3MEquity
Loan mix
79%RE $166.6M20%C&I $41.9M1%Consumer $2.5MQ1 2011Q1 2012
Deposit mix
81%Interest-bearing $337.2M19%Noninterest $76.7MQ1 2011Q1 2012

NIM

4.21%Q1 ’104.16%Q1 ’113.67%Q1 ’12+12%-8%

Non-interest income vs. expense

2.40%Q1 ’102.63%Q1 ’113.25%Q1 ’12+24%+52%

Executive Summary

  • Earnings: ROA of -1.43%, down 176 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.67%.
  • Funding: loans stand at 82.45% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-1.43%-176 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-26 bps YoY

Efficiency Ratio (YTD, annualized)

139.48%+5,910 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.33%0.22%-4.08%-3.15%-1.43%-176 bps
Return on Equity5.09%3.40%-68.89%-56.76%-38.30%-4,339 bps
Net Interest Margin3.13%3.18%3.26%3.36%2.87%-26 bps
Efficiency Ratio80.38%80.46%97.45%98.42%139.48%+5,910 bps
Non-Interest Burden2.49%2.53%3.18%3.31%3.79%+130 bps
Growth
Asset Growth (YoY)-20.81%-16.23%-18.20%-14.59%-10.90%+991 bps
Loan Growth (YoY)-20.55%-21.72%-22.77%-23.46%-18.21%+233 bps
Deposit Growth (YoY)-18.02%-17.71%-8.00%-5.09%0.46%+1,848 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.41%0.20%9.89%7.88%0.67%+26 bps
Allowance / Loans7.14%7.66%5.19%5.37%5.45%-169 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 Capital8.88%9.24%5.75%5.93%5.44%-344 bps
Equity / Assets6.61%6.68%3.96%3.91%3.57%-304 bps
Liquidity & Funding
Loans / Deposits101.27%96.83%87.11%83.22%82.45%-1,882 bps
Liquid Assets / Assets7.34%10.55%7.17%11.47%13.78%+644 bps
CRE / Total Capitaln/an/an/an/an/an/an/a