Bank 360

Beresford, SD · Cert 30789

FDIC

Q4 2012

$37.4MAssets

$23.7MLoans

$34.8MDeposits

$2.5MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -0.95%, down 18 bps year over year; NIM at 3.75%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.39%.
Funding: loans stand at 68.05% of deposits as of Q4 2012.

Return on Assets (YTD, annualized)

-0.95%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.75%

Efficiency Ratio (YTD, annualized)

101.05%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2011	Q2 2011	Q3 2011	Q4 2011	Q1 2012	Q2 2012	Q3 2012	Q4 2012	YoY Δ	Trend
Earnings
Return on Assets	-0.04%	-0.30%	-0.49%	-0.77%	-0.71%	-1.72%	-0.79%	-0.95%	-18 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.77%	3.75%	3.83%	3.75%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	114.78%	104.74%	93.41%	101.05%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	4.47%	3.98%	3.45%	3.81%	n/a
Growth
Asset Growth (YoY)	-4.72%	-16.70%	-12.20%	-13.79%	-5.48%	-7.76%	-3.38%	-6.21%	+758 bps
Loan Growth (YoY)	-9.13%	-14.13%	-11.75%	-14.63%	-13.56%	-5.83%	-9.05%	-6.62%	+801 bps
Deposit Growth (YoY)	0.67%	-10.84%	-6.90%	-8.49%	-1.14%	-6.57%	-2.35%	-5.74%	+274 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.06%	2.23%	1.62%	1.39%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	2.75%	2.84%	3.13%	3.18%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	12.02%	11.02%	12.05%	11.96%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	6.45%	6.41%	6.69%	6.63%	n/a
Liquidity & Funding
Loans / Deposits	75.41%	70.79%	72.64%	68.69%	65.93%	71.35%	67.66%	68.05%	-64 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	15.60%	6.56%	7.19%	7.89%	+789 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a