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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

5.05%Q2 ’046.11%Q2 ’050.81%Q2 ’06+14%-91%

Non-interest income vs. expense

2.24%Q2 ’042.17%Q2 ’05-0.73%Q2 ’06+1%-145%

Executive Summary

  • Earnings: ROA of 1.40%, down 7 bps year over year; NIM at 0.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 1.20%.
  • Funding: loans stand at 99.25% of deposits as of Q2 2006.

Financial Results

Return on Assets (quarter, annualized)

1.40%-7 bps YoY

Net Interest Margin (quarter, annualized)

0.38%-379 bps YoY

Efficiency Ratio (quarter, annualized)

-198.22%-24,535 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets1.47%1.59%1.65%0.25%1.40%-7 bps
Return on Equity16.09%17.10%17.54%2.60%8.41%-769 bps
Net Interest Margin4.17%4.32%4.38%4.32%0.38%-379 bps
Efficiency Ratio47.13%45.48%43.50%68.07%-198.22%-24,535 bps
Non-Interest Burden1.74%1.74%1.70%2.84%-0.79%-254 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 / Loans0.12%-0.01%-0.01%1.11%-1.20%-132 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