Old Missouri National Bank

Springfield, MO · Cert 35213

FDIC · 2 branches

Q3 2014

$177.6MAssets

$160.3MLoans

$148.2MDeposits

$15.8MEquity

Loan mix

Deposit mix

NIM

Market Position · Springfield, MO · 2014 SOD (annual) · 1.9% share · #16 of 42 inst. · $0.2B of $8.3B

Earnings: ROA of 0.76%, down 34 bps year over year; NIM at 4.30%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.23%.
Funding: loans stand at 108.14% of deposits as of Q3 2014.

Return on Assets (quarter, annualized)

0.76%-34 bps YoY

Net Interest Margin (quarter, annualized)

4.30%-12 bps YoY

Efficiency Ratio (quarter, annualized)

64.62%+1,091 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	1.10%	0.99%	0.92%	0.99%	0.76%	-34 bps
Return on Equity	12.39%	11.24%	10.59%	11.50%	8.70%	-369 bps
Net Interest Margin	4.42%	4.32%	4.22%	4.23%	4.30%	-12 bps
Efficiency Ratio	53.71%	57.87%	58.27%	55.34%	64.62%	+1,091 bps
Non-Interest Burden	2.28%	2.42%	2.38%	2.23%	2.62%	+34 bps
Growth
Asset Growth (YoY)	13.80%	12.88%	13.95%	16.25%	11.68%	-212 bps
Loan Growth (YoY)	15.70%	13.42%	14.09%	19.42%	12.50%	-320 bps
Deposit Growth (YoY)	14.04%	11.63%	13.21%	14.65%	9.18%	-486 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.36%	0.08%	0.00%	1.25%	-0.23%	-59 bps
Allowance / Loans	1.24%	1.32%	1.34%	1.09%	1.29%	+5 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	12.08%	12.06%	11.89%	11.31%	11.91%	-17 bps
Equity / Assets	8.86%	8.69%	8.76%	8.49%	8.89%	+3 bps
Liquidity & Funding
Loans / Deposits	104.95%	100.35%	104.36%	105.06%	108.14%	+319 bps
Liquid Assets / Assets	0.18%	0.17%	0.09%	0.11%	0.09%	-9 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a