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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

4.50%Q2 ’104.23%Q2 ’113.90%Q2 ’12-7%0%

Non-interest income vs. expense

4.03%Q2 ’104.01%Q2 ’115.03%Q2 ’12+10%+21%

Executive Summary

  • Earnings: ROA of -0.90%, down 84 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 55.40% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

-0.90%-84 bps YoY

Net Interest Margin (quarter, annualized)

3.49%-1 bps YoY

Efficiency Ratio (quarter, annualized)

120.00%+1,837 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.06%0.35%0.22%0.40%-0.90%-84 bps
Return on Equity-0.74%3.92%2.43%4.35%-9.98%-924 bps
Net Interest Margin3.50%3.56%3.59%3.47%3.49%-1 bps
Efficiency Ratio101.63%92.04%95.90%92.02%120.00%+1,837 bps
Non-Interest Burden3.56%3.22%3.42%3.13%4.32%+76 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%0.22%+22 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