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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

5.55%Q2 ’056.90%Q2 ’066.67%Q2 ’07+12%0%

Non-interest income vs. expense

2.08%Q2 ’052.17%Q2 ’061.96%Q2 ’07+10%-7%

Executive Summary

  • Earnings: ROA of 1.21%, down 10 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 144.78% of deposits as of Q2 2007.

Financial Results

Return on Assets (quarter, annualized)

1.21%-10 bps YoY

Net Interest Margin (quarter, annualized)

3.84%-1 bps YoY

Efficiency Ratio (quarter, annualized)

41.85%-545 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.31%1.29%1.30%0.05%1.21%-10 bps
Return on Equity12.40%12.29%12.32%0.30%6.36%-605 bps
Net Interest Margin3.86%3.96%3.75%1.22%3.84%-1 bps
Efficiency Ratio47.30%48.20%48.55%49.02%41.85%-545 bps
Non-Interest Burden1.53%1.72%1.58%0.50%1.42%-10 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 / Loans0.01%-0.02%0.04%0.00%-0.01%-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