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Letter portraitLegal landscapeQuarterYTD

Town and Country Bank of the Ozarks

Republic, MO · Cert 34808

FDIC

Q3 2005

$53.6MAssets
$33.3MLoans
$44.7MDeposits
$8.6MEquity
Loan mix
69%RE $12.5M30%C&I $5.5M0%Consumer $0.0MQ3 2004Q3 2005
Deposit mix
87%Interest-bearing $38.9M13%Noninterest $5.8MQ3 2004Q3 2005

NIM

5.02%Q3 ’034.62%Q3 ’044.85%Q3 ’05+13%-10%

Non-interest income vs. expense

1.98%Q3 ’032.68%Q3 ’043.27%Q3 ’05+39%+23%

Executive Summary

  • Earnings: ROA of 0.20%, up 11 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.40%.
  • Funding: loans stand at 74.56% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.20%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-34 bps YoY

Efficiency Ratio (YTD, annualized)

81.91%+1,788 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.09%-0.53%0.01%0.16%0.20%+11 bps
Return on Equity0.63%-3.66%0.05%1.04%1.28%+65 bps
Net Interest Margin3.27%3.30%3.05%3.01%2.93%-34 bps
Efficiency Ratio64.03%72.41%81.30%81.71%81.91%+1,788 bps
Non-Interest Burden2.17%2.50%2.96%2.81%2.68%+51 bps
Growth
Asset Growth (YoY)10.28%-12.09%-13.12%-10.54%-7.66%-1,794 bps
Loan Growth (YoY)-6.53%-14.93%-17.88%-11.02%-6.48%+5 bps
Deposit Growth (YoY)-0.21%-14.72%-14.33%-12.07%-8.45%-824 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.77%1.27%1.25%0.61%0.40%-37 bps
Allowance / Loans1.66%2.79%2.72%2.59%2.51%+85 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 Capital16.49%16.33%17.38%17.56%16.78%+29 bps
Equity / Assets15.40%15.59%15.90%16.12%15.96%+56 bps
Liquidity & Funding
Loans / Deposits72.98%72.31%69.04%73.26%74.56%+157 bps
Liquid Assets / Assets1.23%1.30%7.36%3.94%4.14%+291 bps
CRE / Total Capitaln/an/an/an/an/an/an/a