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Letter portraitLegal landscapeQuarterYTD

State Bank of Carbondale

Carbondale, KS · Cert 21174

FDIC

Q2 2012

$18.0MAssets
$8.9MLoans
$16.1MDeposits
$1.6MEquity
Loan mix
60%RE $4.4M21%C&I $1.5M19%Consumer $1.4MQ2 2011Q2 2012
Deposit mix
80%Interest-bearing $12.8M20%Noninterest $3.2MQ2 2011Q2 2012

NIM

4.49%Q2 ’104.36%Q2 ’113.92%Q2 ’12-2%-5%

Non-interest income vs. expense

4.07%Q2 ’104.05%Q2 ’114.42%Q2 ’12+3%+9%

Executive Summary

  • Earnings: ROA of -0.26%, down 43 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Funding: loans stand at 55.40% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.26%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-19 bps YoY

Efficiency Ratio (YTD, annualized)

106.08%+1,160 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.17%0.23%0.23%0.40%-0.26%-43 bps
Return on Equity1.99%2.64%2.59%4.35%-2.80%-479 bps
Net Interest Margin3.65%3.64%3.70%3.47%3.46%-19 bps
Efficiency Ratio94.49%93.67%94.21%92.02%106.08%+1,160 bps
Non-Interest Burden3.41%3.36%3.44%3.13%3.72%+30 bps
Growth
Asset Growth (YoY)-0.19%-1.93%-3.16%-2.51%-2.82%-263 bps
Loan Growth (YoY)-0.50%-3.94%-12.19%-9.83%-12.52%-1,202 bps
Deposit Growth (YoY)-0.37%-2.30%-3.84%-3.03%-3.24%-287 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.11%+11 bps
Allowance / Loans1.23%1.22%1.28%1.34%1.35%+12 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 Capital15.60%15.72%16.74%17.04%17.24%+164 bps
Equity / Assets8.76%9.03%9.41%9.00%9.03%+27 bps
Liquidity & Funding
Loans / Deposits61.27%62.76%62.31%56.33%55.40%-588 bps
Liquid Assets / Assets2.40%2.44%5.33%5.07%5.20%+279 bps
CRE / Total Capitaln/an/an/an/an/an/an/a