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Letter portraitLegal landscapeQuarterYTD

Quad County State Bank, The

Viburnum, MO · Cert 20115

FDIC

Q3 2011

$351.5MAssets
$235.5MLoans
$280.6MDeposits
$14.7MEquity
Loan mix
84%RE $169.5M14%C&I $28.3M2%Consumer $4.2MQ3 2010Q3 2011
Deposit mix
89%Interest-bearing $250.3M11%Noninterest $30.4MQ3 2010Q3 2011

NIM

4.30%Q3 ’094.54%Q3 ’104.46%Q3 ’11+54%+6%

Non-interest income vs. expense

2.96%Q3 ’092.66%Q3 ’103.17%Q3 ’11-4%+16%

Executive Summary

  • Earnings: ROA of -5.26%, down 539 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.16%.
  • Funding: loans stand at 83.92% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-5.26%-539 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+18 bps YoY

Efficiency Ratio (YTD, annualized)

91.62%+721 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.13%0.16%-17.06%-8.21%-5.26%-539 bps
Return on Equity2.18%2.73%-472%-250%-150.29%-15,248 bps
Net Interest Margin2.78%2.81%2.72%2.87%2.96%+18 bps
Efficiency Ratio84.41%80.57%139.47%102.69%91.62%+721 bps
Non-Interest Burden2.32%2.21%3.94%2.96%2.70%+38 bps
Growth
Asset Growth (YoY)-6.68%-3.60%-6.64%-8.46%-7.31%-63 bps
Loan Growth (YoY)-7.93%-7.79%-10.96%-11.78%-12.71%-477 bps
Deposit Growth (YoY)-6.77%-4.65%-2.89%-6.14%-6.10%+67 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.52%1.49%14.35%7.35%5.16%+364 bps
Allowance / Loans3.13%3.10%5.48%5.68%6.05%+292 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 Capital8.36%8.34%3.27%3.66%4.07%-428 bps
Equity / Assets6.31%5.64%1.53%2.59%4.19%-213 bps
Liquidity & Funding
Loans / Deposits90.27%87.91%82.88%85.48%83.92%-635 bps
Liquid Assets / Assets0.10%0.10%0.10%4.04%5.41%+531 bps
CRE / Total Capitaln/an/an/an/an/an/an/a