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Exchange National Bank of Jefferson City, The

Jefferson City, MO · Cert 4542

FDIC

Q3 2007

$505.6MAssets
$383.8MLoans
$415.8MDeposits
$52.4MEquity
Loan mix
67%RE $181.8M33%C&I $89.4M1%Consumer $1.6MQ3 2006Q3 2007
Deposit mix
86%Interest-bearing $356.7M14%Noninterest $59.1MQ3 2006Q3 2007

NIM

5.46%Q3 ’056.76%Q3 ’066.94%Q3 ’07+22%-1%

Non-interest income vs. expense

2.07%Q3 ’052.32%Q3 ’062.32%Q3 ’07+6%+5%

Executive Summary

  • Earnings: ROA of 1.51%, down 3 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 92.30% of deposits as of Q3 2007.

Financial Results

Return on Assets (quarter, annualized)

1.51%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.89%-5 bps YoY

Efficiency Ratio (quarter, annualized)

49.53%+123 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.53%1.48%1.49%1.52%1.51%-3 bps
Return on Equity15.03%14.01%13.77%14.28%14.53%-50 bps
Net Interest Margin3.93%3.94%3.83%3.90%3.89%-5 bps
Efficiency Ratio48.30%49.80%50.40%49.25%49.53%+123 bps
Non-Interest Burden1.45%1.55%1.50%1.47%1.52%+8 bps
Growth
Asset Growth (YoY)-10.85%-2.52%-8.19%0.12%3.12%+1,397 bps
Loan Growth (YoY)-5.96%-6.32%-5.68%-0.30%7.22%+1,318 bps
Deposit Growth (YoY)-6.88%-1.86%-0.78%3.67%7.65%+1,453 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.62%0.08%0.02%0.09%+4 bps
Allowance / Loans1.45%1.36%1.36%1.35%1.33%-11 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 Capital13.53%13.76%13.74%13.34%13.21%-32 bps
Equity / Assets10.37%10.77%10.90%10.37%10.36%-1 bps
Liquidity & Funding
Loans / Deposits92.67%92.45%93.64%92.03%92.30%-37 bps
Liquid Assets / Assets0.05%0.20%0.14%0.10%0.05%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a