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Truman Bank

Saint Louis, MO · Cert 27316

FDIC

Q2 2012

$282.3MAssets
$191.6MLoans
$245.7MDeposits
$5.9MEquity
Loan mix
89%RE $121.4M11%C&I $14.3M1%Consumer $0.7MQ2 2011Q2 2012
Deposit mix
90%Interest-bearing $222.3M10%Noninterest $23.4MQ2 2011Q2 2012

NIM

4.24%Q2 ’103.95%Q2 ’113.39%Q2 ’12+18%-9%

Non-interest income vs. expense

2.50%Q2 ’102.76%Q2 ’113.58%Q2 ’12+54%+137%

Executive Summary

  • Earnings: ROA of -6.21%, down 490 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 8.55%.
  • Funding: loans stand at 77.96% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-6.21%-490 bps YoY

Net Interest Margin (YTD, annualized)

2.45%-24 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-1.31%-4.96%-4.54%-4.86%-6.21%-490 bps
Return on Equity-17.20%-70.23%-68.14%-113.31%-172.14%-15,494 bps
Net Interest Margin2.69%2.73%2.85%2.37%2.45%-24 bps
Efficiency Ratio97.70%116.51%124.57%18714%n/an/a
Non-Interest Burden2.67%5.15%5.08%5.73%6.34%+366 bps
Growth
Asset Growth (YoY)-23.67%-18.36%-18.75%-14.31%-17.93%+575 bps
Loan Growth (YoY)-20.57%-22.43%-22.75%-24.49%-26.47%-590 bps
Deposit Growth (YoY)-24.70%-15.70%-15.62%-8.03%-11.70%+1,300 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.73%4.45%4.51%10.72%8.55%+582 bps
Allowance / Loans6.77%7.04%7.18%6.10%6.51%-25 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 Capital10.05%7.96%7.18%6.11%3.85%-620 bps
Equity / Assets8.38%5.33%4.87%3.70%2.10%-628 bps
Liquidity & Funding
Loans / Deposits93.61%88.19%87.74%77.41%77.96%-1,565 bps
Liquid Assets / Assets10.26%9.93%1.05%5.72%9.71%-55 bps
CRE / Total Capitaln/an/an/an/an/an/an/a