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Bank Midwest, National Association

Kansas City, MO · Cert 32964

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

Bank Midwest, National Association

Kansas City, MO · Cert 32964

FDIC

Q3 2010

$3.9BAssets
$1.9BLoans
$3.4BDeposits
$178.6MEquity
Loan mix
78%RE $1.0B21%C&I $0.3B1%Consumer $0.0BQ3 2009Q3 2010
Deposit mix
92%Interest-bearing $3.1B8%Noninterest $0.3BQ3 2009Q3 2010

NIM

6.21%Q3 ’084.01%Q3 ’092.66%Q3 ’10-46%-47%

Non-interest income vs. expense

2.19%Q3 ’082.47%Q3 ’092.40%Q3 ’10+24%+15%

Executive Summary

  • Earnings: ROA of -2.00%, up 556 bps year over year; NIM at 0.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.11%.
  • Funding: loans stand at 55.24% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-2.00%+556 bps YoY

Net Interest Margin (YTD, annualized)

0.82%-73 bps YoY

Efficiency Ratio (YTD, annualized)

155.38%+5,930 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-7.56%-7.12%-2.47%-2.31%-2.00%+556 bps
Return on Equity-80.21%-82.37%-47.05%-45.86%-40.56%+3,965 bps
Net Interest Margin1.55%1.37%0.89%0.81%0.82%-73 bps
Efficiency Ratio96.08%96.45%107.84%159.29%155.38%+5,930 bps
Non-Interest Burden1.46%1.81%1.04%1.62%1.67%+21 bps
Growth
Asset Growth (YoY)-1.78%-3.46%-0.05%3.20%-3.90%-212 bps
Loan Growth (YoY)-16.04%-22.10%-28.60%-32.66%-33.87%-1,782 bps
Deposit Growth (YoY)1.22%0.64%8.31%13.40%2.35%+113 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans6.93%8.90%4.96%4.73%6.11%-82 bps
Allowance / Loans6.79%6.70%7.32%7.72%7.00%+22 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 Capital11.06%10.49%10.15%10.03%10.25%-81 bps
Equity / Assets7.34%5.56%4.96%4.60%4.53%-281 bps
Liquidity & Funding
Loans / Deposits85.49%70.81%62.09%57.48%55.24%-3,025 bps
Liquid Assets / Assets19.27%29.29%35.33%39.10%41.64%+2,237 bps
CRE / Total Capitaln/an/an/an/an/an/an/a