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Clayco State Bank

Claycomo, MO · Cert 21127

FDIC

Q3 2005

$151.6MAssets
$144.1MLoans
$105.9MDeposits
$16.1MEquity
Deposit mix
89%Interest-bearing $94.4M11%Noninterest $11.5MQ3 2004Q3 2005

NIM

6.13%Q3 ’036.06%Q3 ’046.54%Q3 ’050%-5%

Non-interest income vs. expense

1.95%Q3 ’031.73%Q3 ’041.62%Q3 ’05-1%+1%

Executive Summary

  • Earnings: ROA of 1.79%, up 12 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 136.08% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

1.79%+12 bps YoY

Net Interest Margin (quarter, annualized)

4.05%-22 bps YoY

Efficiency Ratio (quarter, annualized)

36.36%+34 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.67%1.69%1.66%1.62%1.79%+12 bps
Return on Equity16.81%16.87%16.10%15.64%16.79%-2 bps
Net Interest Margin4.27%4.16%3.90%3.93%4.05%-22 bps
Efficiency Ratio36.02%37.98%35.14%36.53%36.36%+34 bps
Non-Interest Burden1.19%1.28%1.14%1.19%1.20%+1 bps
Growth
Asset Growth (YoY)38.06%31.95%24.58%23.82%17.70%-2,037 bps
Loan Growth (YoY)42.39%35.75%35.08%26.93%18.21%-2,418 bps
Deposit Growth (YoY)33.59%27.87%23.98%19.63%9.37%-2,422 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.02%0.00%0.08%0.02%-2 bps
Allowance / Loans0.89%0.86%0.86%0.90%0.87%-2 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 Capital10.18%11.24%10.75%11.47%11.49%+131 bps
Equity / Assets9.53%10.51%10.08%10.65%10.64%+111 bps
Liquidity & Funding
Loans / Deposits125.90%128.16%123.25%127.93%136.08%+1,018 bps
Liquid Assets / Assets0.57%0.54%0.46%0.45%0.44%-13 bps
CRE / Total Capitaln/an/an/an/an/an/an/a