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Hillcrest Bank

Overland Park, KS · Cert 22173

FDIC

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hillcrest Bank

Overland Park, KS · Cert 22173

FDIC

Q3 2010

$1.6BAssets
$1.0BLoans
$1.5BDeposits
$3.8MEquity
Loan mix
83%RE $896.8M17%C&I $181.3M0%Consumer $0.0MQ3 2009Q3 2010
Deposit mix
94%Interest-bearing $1.4B6%Noninterest $0.1BQ3 2009Q3 2010

NIM

6.74%Q3 ’084.80%Q3 ’094.00%Q3 ’10-43%-22%

Non-interest income vs. expense

1.45%Q3 ’082.08%Q3 ’092.60%Q3 ’10+53%+27%

Executive Summary

  • Earnings: ROA of -5.51%, down 251 bps year over year; NIM at 1.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 8.22%.
  • Funding: loans stand at 68.88% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-5.51%-251 bps YoY

Net Interest Margin (YTD, annualized)

1.55%-43 bps YoY

Efficiency Ratio (YTD, annualized)

140.98%+4,833 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-3.00%-4.48%-2.56%-7.37%-5.51%-251 bps
Return on Equity-40.09%-65.44%-65.34%-258%-246%-20,612 bps
Net Interest Margin1.98%1.88%1.55%1.60%1.55%-43 bps
Efficiency Ratio92.65%97.77%125.89%134.19%140.98%+4,833 bps
Non-Interest Burden1.82%1.92%2.01%2.23%2.30%+49 bps
Growth
Asset Growth (YoY)0.43%-8.33%-8.80%-11.69%-16.23%-1,665 bps
Loan Growth (YoY)-14.25%-20.55%-22.57%-25.66%-25.38%-1,113 bps
Deposit Growth (YoY)6.73%-1.76%-2.15%-4.62%-10.68%-1,741 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.27%8.12%4.09%11.20%8.22%+295 bps
Allowance / Loans2.15%2.69%2.65%3.27%3.35%+120 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 Capital8.22%6.42%5.95%1.63%0.61%-760 bps
Equity / Assets6.07%4.10%3.72%0.62%0.24%-583 bps
Liquidity & Funding
Loans / Deposits82.45%79.22%75.54%69.65%68.88%-1,357 bps
Liquid Assets / Assets12.27%10.33%10.95%13.17%12.26%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a