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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

6.53%Q3 ’084.48%Q3 ’093.59%Q3 ’10-48%-26%

Non-interest income vs. expense

1.55%Q3 ’082.30%Q3 ’092.62%Q3 ’10+64%+8%

Executive Summary

  • Earnings: ROA of -1.58%, up 202 bps year over year; NIM at 1.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.25%.
  • Funding: loans stand at 68.88% of deposits as of Q3 2010.

Financial Results

Return on Assets (quarter, annualized)

-1.58%+202 bps YoY

Net Interest Margin (quarter, annualized)

1.31%-47 bps YoY

Efficiency Ratio (quarter, annualized)

156.62%+4,107 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-3.60%-8.96%-2.56%-12.35%-1.58%+202 bps
Return on Equity-54.55%-175.14%-65.34%-561%-364%-30,933 bps
Net Interest Margin1.78%1.56%1.55%1.60%1.31%-47 bps
Efficiency Ratio115.55%116.52%125.89%142.44%156.62%+4,107 bps
Non-Interest Burden2.08%2.20%2.01%2.39%2.25%+17 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 / Loans5.63%15.23%4.09%17.94%1.25%-438 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