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Signature Bank

Springfield, MO · Cert 34505

FDIC

Q2 2007

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: Q2 2007, the quarter ended June 30, 2007, 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

Signature Bank

Springfield, MO · Cert 34505

FDIC

Q2 2007

$1.0BAssets
$832.4MLoans
$575.0MDeposits
$188.1MEquity
Loan mix
70%RE $494.8M30%C&I $210.6M0%Consumer $0.1MQ2 2006Q2 2007
Deposit mix
89%Interest-bearing $511.0M11%Noninterest $64.0MQ2 2006Q2 2007

NIM

5.21%Q2 ’056.56%Q2 ’064.42%Q2 ’07+14%-34%

Non-interest income vs. expense

1.99%Q2 ’052.15%Q2 ’061.29%Q2 ’07+14%-40%

Executive Summary

  • Earnings: ROA of 0.65%, down 57 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 144.78% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.65%-57 bps YoY

Net Interest Margin (YTD, annualized)

2.47%-125 bps YoY

Efficiency Ratio (YTD, annualized)

43.47%-559 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.22%1.24%1.26%0.05%0.65%-57 bps
Return on Equity11.61%11.84%11.96%0.30%3.96%-765 bps
Net Interest Margin3.72%3.70%3.61%1.22%2.47%-125 bps
Efficiency Ratio49.06%48.76%48.70%49.02%43.47%-559 bps
Non-Interest Burden1.57%1.57%1.53%0.50%0.94%-63 bps
Growth
Asset Growth (YoY)8.10%13.59%7.92%19.97%21.64%+1,354 bps
Loan Growth (YoY)8.73%16.25%12.90%11.61%12.42%+370 bps
Deposit Growth (YoY)4.38%8.07%5.65%0.51%-0.90%-528 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%+1 bps
Allowance / Loans0.99%0.99%0.99%0.96%1.04%+6 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 Capital10.72%10.56%10.88%10.76%10.03%-69 bps
Equity / Assets10.50%10.48%10.71%19.30%18.75%+826 bps
Liquidity & Funding
Loans / Deposits127.62%127.88%124.96%128.18%144.78%+1,716 bps
Liquid Assets / Assets2.68%2.72%2.64%0.00%0.00%-268 bps
CRE / Total Capitaln/an/an/an/an/an/an/a