Columbian Bank and Trust Company, The

Topeka, KS · Cert 22728

FDIC

Q2 2008

$735.1MAssets

$638.5MLoans

$620.4MDeposits

$43.5MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -2.82%, down 678 bps year over year; NIM at 2.88%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.
Funding: loans stand at 102.93% of deposits as of Q2 2008.

Return on Assets (quarter, annualized)

-2.82%-678 bps YoY

Net Interest Margin (quarter, annualized)

2.88%-332 bps YoY

Efficiency Ratio (quarter, annualized)

46.43%+2,326 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2007	Q3 2007	Q4 2007	Q1 2008	Q2 2008	YoY Δ	Trend
Earnings
Return on Assets	3.96%	3.74%	-1.37%	2.85%	-2.82%	-678 bps
Return on Equity	49.80%	48.73%	-19.50%	42.38%	-43.78%	-9,358 bps
Net Interest Margin	6.20%	6.25%	5.54%	4.49%	2.88%	-332 bps
Efficiency Ratio	23.17%	24.26%	39.74%	29.51%	46.43%	+2,326 bps
Non-Interest Burden	1.29%	1.35%	2.08%	1.18%	1.23%	-6 bps
Growth
Asset Growth (YoY)	43.84%	37.70%	36.42%	26.90%	22.33%	-2,151 bps
Loan Growth (YoY)	43.38%	39.23%	33.43%	22.22%	17.32%	-2,606 bps
Deposit Growth (YoY)	57.34%	42.68%	53.89%	32.47%	35.88%	-2,147 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.19%	1.52%	4.20%	0.00%	0.23%	+3 bps
Allowance / Loans	1.48%	1.26%	1.35%	1.43%	2.65%	+117 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	10.78%	10.57%	9.40%	10.01%	8.98%	-180 bps
Equity / Assets	7.66%	7.70%	6.48%	6.97%	5.92%	-173 bps
Liquidity & Funding
Loans / Deposits	119.20%	125.23%	112.92%	107.79%	102.93%	-1,628 bps
Liquid Assets / Assets	0.10%	0.00%	0.26%	0.22%	0.18%	+9 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a