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Bank, The

Springfield, MO · Cert 34538

FDIC

Q2 2004

$291.8MAssets
$248.6MLoans
$233.4MDeposits
$34.0MEquity
Loan mix
41%RE $58.7M58%C&I $82.7M0%Consumer $0.0MQ2 2003Q2 2004
Deposit mix
88%Interest-bearing $205.4M12%Noninterest $28.0MQ2 2003Q2 2004

NIM

5.95%Q2 ’024.75%Q2 ’034.88%Q2 ’04-13%+23%

Non-interest income vs. expense

2.49%Q2 ’022.99%Q2 ’032.83%Q2 ’04-18%+20%

Executive Summary

  • Earnings: ROA of 0.79%, up 18 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 106.52% of deposits as of Q2 2004.

Financial Results

Return on Assets (quarter, annualized)

0.79%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.25%+60 bps YoY

Efficiency Ratio (quarter, annualized)

62.16%-1,018 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets0.61%0.93%0.59%0.28%0.79%+18 bps
Return on Equity8.74%12.97%7.80%2.82%6.79%-195 bps
Net Interest Margin2.66%2.94%3.02%1.10%3.25%+60 bps
Efficiency Ratio72.34%68.65%77.81%65.65%62.16%-1,018 bps
Non-Interest Burden1.51%1.46%2.15%0.67%1.82%+31 bps
Growth
Asset Growth (YoY)14.96%3.02%-0.12%7.47%6.16%-880 bps
Loan Growth (YoY)17.87%3.10%5.37%16.96%14.02%-385 bps
Deposit Growth (YoY)14.21%4.31%1.68%3.40%4.22%-999 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.19%0.11%-0.21%0.28%0.19%0 bps
Allowance / Loans1.31%1.36%1.37%1.19%1.18%-13 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 Capital10.02%10.15%10.32%9.21%9.23%-79 bps
Equity / Assets7.01%7.41%7.68%11.66%11.67%+466 bps
Liquidity & Funding
Loans / Deposits97.37%95.91%99.15%112.27%106.52%+915 bps
Liquid Assets / Assets0.11%0.10%0.10%0.00%0.01%-10 bps
CRE / Total Capitaln/an/an/an/an/an/an/a