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Letter portraitLegal landscapeQuarterYTD

Bank of Jacomo

Blue Springs, MO · Cert 20183

FDIC

Q2 2004

$248.3MAssets
$165.7MLoans
$198.2MDeposits
$44.0MEquity
Loan mix
64%RE $39.5M35%C&I $21.3M1%Consumer $0.5MQ2 2003Q2 2004
Deposit mix
72%Interest-bearing $143.1M28%Noninterest $55.1MQ2 2003Q2 2004

NIM

5.60%Q2 ’025.03%Q2 ’034.89%Q2 ’040%+3%

Non-interest income vs. expense

2.72%Q2 ’022.72%Q2 ’032.80%Q2 ’04-4%-9%

Executive Summary

  • Earnings: ROA of 1.58%, up 17 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 83.62% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

1.58%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+10 bps YoY

Efficiency Ratio (YTD, annualized)

50.59%-168 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets1.41%1.41%1.47%1.56%1.58%+17 bps
Return on Equity7.88%7.94%8.31%8.97%9.04%+116 bps
Net Interest Margin4.06%3.95%3.96%4.23%4.16%+10 bps
Efficiency Ratio52.27%52.13%51.18%49.71%50.59%-168 bps
Non-Interest Burden1.57%1.51%1.45%1.44%1.43%-14 bps
Growth
Asset Growth (YoY)2.08%5.31%5.38%4.45%-0.52%-260 bps
Loan Growth (YoY)-0.86%0.82%0.96%5.74%2.56%+342 bps
Deposit Growth (YoY)2.82%6.32%6.47%5.22%-0.96%-378 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.26%0.25%0.11%0.08%-13 bps
Allowance / Loans1.92%1.89%1.87%1.91%2.00%+8 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 Capital12.87%12.67%12.51%12.36%12.64%-23 bps
Equity / Assets17.60%17.15%17.40%17.32%17.72%+11 bps
Liquidity & Funding
Loans / Deposits80.75%79.43%82.54%82.82%83.62%+287 bps
Liquid Assets / Assets10.47%13.79%15.09%11.24%7.83%-264 bps
CRE / Total Capitaln/an/an/an/an/an/an/a