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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

5.23%Q3 ’034.49%Q3 ’045.05%Q3 ’05+10%-13%

Non-interest income vs. expense

2.17%Q3 ’032.69%Q3 ’043.27%Q3 ’05+10%+35%

Executive Summary

  • Earnings: ROA of 0.29%, up 4 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 74.56% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

0.29%+4 bps YoY

Net Interest Margin (quarter, annualized)

2.88%-42 bps YoY

Efficiency Ratio (quarter, annualized)

82.30%+2,344 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.25%-2.53%0.01%0.32%0.29%+4 bps
Return on Equity1.63%-16.30%0.05%2.03%1.78%+15 bps
Net Interest Margin3.31%3.03%3.05%3.03%2.88%-42 bps
Efficiency Ratio58.86%98.67%81.30%82.13%82.30%+2,344 bps
Non-Interest Burden1.87%3.25%2.96%2.71%2.54%+66 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 / Loans0.40%2.60%1.25%0.04%0.01%-39 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