PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Missouri State Bank and Trust Company

Clayton, MO · Cert 19671

FDIC

Q2 2006

$866.1MAssets
$630.4MLoans
$635.1MDeposits
$197.4MEquity
Loan mix
37%RE $88.4M63%C&I $149.9M0%Consumer $0.2MQ2 2005Q2 2006
Deposit mix
81%Interest-bearing $511.6M19%Noninterest $123.5MQ2 2005Q2 2006

NIM

4.94%Q2 ’045.83%Q2 ’053.29%Q2 ’06+14%-50%

Non-interest income vs. expense

2.17%Q2 ’042.13%Q2 ’050.96%Q2 ’06+2%-53%

Executive Summary

  • Earnings: ROA of 0.83%, down 60 bps year over year; NIM at 2.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 99.25% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

0.83%-60 bps YoY

Net Interest Margin (YTD, annualized)

2.02%-204 bps YoY

Efficiency Ratio (YTD, annualized)

40.69%-702 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets1.43%1.49%1.53%0.25%0.83%-60 bps
Return on Equity15.49%16.04%16.39%2.60%5.80%-969 bps
Net Interest Margin4.06%4.07%4.08%4.32%2.02%-204 bps
Efficiency Ratio47.71%46.92%46.01%68.07%40.69%-702 bps
Non-Interest Burden1.72%1.69%1.67%2.84%0.80%-91 bps
Growth
Asset Growth (YoY)12.70%11.40%12.90%7.94%22.91%+1,020 bps
Loan Growth (YoY)11.01%11.71%8.02%9.41%4.03%-699 bps
Deposit Growth (YoY)15.76%15.77%14.19%5.02%4.80%-1,096 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.03%0.02%1.11%-0.03%-7 bps
Allowance / Loans1.36%1.34%1.38%1.37%1.45%+9 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 Capital10.40%10.42%10.92%10.71%10.25%-15 bps
Equity / Assets9.22%9.38%9.45%9.54%22.79%+1,357 bps
Liquidity & Funding
Loans / Deposits99.99%105.08%98.17%105.37%99.25%-74 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a