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Progress Bank of Missouri

Sullivan, MO · Cert 34560

FDIC

Q4 2007

$202.0MAssets
$138.2MLoans
$158.7MDeposits
$31.8MEquity
Deposit mix
93%Interest-bearing $147.4M7%Noninterest $11.2MQ1 2006Q4 2007

Executive Summary

  • Earnings: ROA of 0.10%, down 26 bps year over year; NIM at 0.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 87.12% of deposits as of Q4 2007.

Return on Assets (YTD, annualized)

0.10%-26 bps YoY

Net Interest Margin (YTD, annualized)

0.75%-239 bps YoY

Efficiency Ratio (YTD, annualized)

79.60%+8 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.52%Q4 ’056.83%Q4 ’061.81%Q4 ’07-4%-76%

Non-interest income vs. expense

2.43%Q4 ’052.98%Q4 ’060.80%Q4 ’07+38%-76%

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.54%0.46%0.44%0.36%0.42%0.35%0.01%0.10%-26 bps
Return on Equity7.26%6.02%5.66%4.63%4.99%4.13%0.08%0.95%-368 bps
Net Interest Margin2.97%3.13%3.17%3.13%2.86%2.92%0.17%0.75%-239 bps
Efficiency Ratio75.82%81.23%77.23%79.52%80.89%83.59%93.63%79.60%+8 bps
Non-Interest Burden2.09%2.43%2.30%2.36%2.21%2.35%0.16%0.58%-179 bps
Growth
Asset Growth (YoY)43.80%15.67%5.76%-5.32%-9.27%-6.70%3.92%7.64%+1,296 bps
Loan Growth (YoY)34.68%14.94%-0.01%-12.91%-12.99%-17.32%-12.16%-6.89%+602 bps
Deposit Growth (YoY)47.86%19.33%11.47%1.44%-8.69%-5.48%-2.01%-1.09%-253 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.11%0.70%0.45%0.59%0.00%0.52%0.00%-0.01%-60 bps
Allowance / Loans1.26%1.19%1.44%1.40%1.43%1.25%1.19%1.21%-19 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.00%11.16%11.67%12.30%12.65%13.16%12.28%12.74%+45 bps
Equity / Assets7.39%7.90%8.15%8.31%8.51%8.74%13.14%15.74%+743 bps
Liquidity & Funding
Loans / Deposits95.98%102.21%96.95%92.55%91.45%89.41%86.91%87.12%-543 bps
Liquid Assets / Assets0.05%0.05%0.05%0.05%0.00%0.00%0.00%0.00%-5 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a