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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

4.52%Q3 ’094.31%Q3 ’104.38%Q3 ’11+28%+12%

Non-interest income vs. expense

2.60%Q3 ’092.62%Q3 ’102.57%Q3 ’11+13%-12%

Executive Summary

  • Earnings: ROA of 0.84%, up 143 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 83.92% of deposits as of Q3 2011.

Financial Results

Return on Assets (quarter, annualized)

0.84%+143 bps YoY

Net Interest Margin (quarter, annualized)

2.95%+33 bps YoY

Efficiency Ratio (quarter, annualized)

70.54%-1,601 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-0.59%0.25%-17.06%0.95%0.84%+143 bps
Return on Equity-9.68%4.23%-472%46.58%24.88%+3,456 bps
Net Interest Margin2.63%2.84%2.72%2.97%2.95%+33 bps
Efficiency Ratio86.55%69.70%139.47%68.38%70.54%-1,601 bps
Non-Interest Burden2.24%1.86%3.94%1.90%1.98%-27 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 / Loans3.21%1.33%14.35%-0.01%-0.01%-322 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