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Letter portraitLegal landscapeQuarterYTD

Chester National Bank of Missouri

Perryville, MO · Cert 34359

FDIC

Q4 2010

$7.5MAssets
$4.0MLoans
$6.0MDeposits
$1.5MEquity
Loan mix
82%RE $3.2M5%C&I $0.2M13%Consumer $0.5MQ4 2009Q4 2010
Deposit mix
91%Interest-bearing $5.4M9%Noninterest $0.6MQ4 2009Q4 2010

NIM

5.13%Q4 ’083.77%Q4 ’093.87%Q4 ’10-19%+5%

Non-interest income vs. expense

3.29%Q4 ’082.52%Q4 ’092.46%Q4 ’10-23%-7%

Executive Summary

  • Earnings: ROA of 1.01%, up 42 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 66.17% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

1.01%+42 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+14 bps YoY

Efficiency Ratio (YTD, annualized)

75.93%-755 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets0.59%0.43%0.59%0.66%1.01%+42 bps
Return on Equity2.77%2.23%3.05%3.40%5.20%+243 bps
Net Interest Margin2.64%2.63%2.73%2.75%2.78%+14 bps
Efficiency Ratio83.48%84.21%78.81%77.35%75.93%-755 bps
Non-Interest Burden2.14%2.15%2.06%2.03%2.00%-14 bps
Growth
Asset Growth (YoY)30.45%23.46%12.86%4.38%0.40%-3,005 bps
Loan Growth (YoY)-2.42%3.58%-3.17%-3.85%-1.51%+91 bps
Deposit Growth (YoY)39.64%29.76%15.26%4.28%-0.60%-4,024 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.56%1.48%1.47%1.54%1.24%-33 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 Capital46.19%43.65%43.98%45.73%47.53%+134 bps
Equity / Assets19.17%19.11%19.43%19.41%20.11%+94 bps
Liquidity & Funding
Loans / Deposits66.79%69.84%70.96%67.27%66.17%-62 bps
Liquid Assets / Assets32.24%29.21%31.20%30.90%30.73%-151 bps
CRE / Total Capitaln/an/an/an/an/an/an/a