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Letter portraitLegal landscapeQuarterYTD

Exchange National Bank, The

Cottonwood Falls, KS · Cert 4650

FDIC

Q2 2012

$33.8MAssets
$21.7MLoans
$29.8MDeposits
$3.5MEquity
Loan mix
42%RE $4.6M49%C&I $5.5M9%Consumer $1.0MQ2 2011Q2 2012
Deposit mix
77%Interest-bearing $23.1M23%Noninterest $6.7MQ2 2011Q2 2012

NIM

4.01%Q2 ’103.93%Q2 ’113.85%Q2 ’12+3%+3%

Non-interest income vs. expense

3.75%Q2 ’103.76%Q2 ’113.53%Q2 ’12-2%-13%

Executive Summary

  • Earnings: ROA of 1.18%, up 106 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 73.01% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

1.18%+106 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+9 bps YoY

Efficiency Ratio (YTD, annualized)

87.71%-1,323 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.12%10.03%1-0.16%1.78%1.18%+106 bps
Return on Equity1.21%0.32%-1.59%16.72%11.15%+994 bps
Net Interest Margin3.35%3.31%3.37%3.35%3.44%+9 bps
Efficiency Ratio100.94%104.78%109.00%88.82%87.71%-1,323 bps
Non-Interest Burden3.38%3.49%3.70%2.93%2.94%-44 bps
Growth
Asset Growth (YoY)-6.17%-4.86%-11.23%-1.93%1.42%+760 bps
Loan Growth (YoY)-0.18%4.19%4.81%14.28%8.36%+855 bps
Deposit Growth (YoY)-6.66%-5.20%-11.31%-4.10%0.04%+670 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.26%0.24%0.17%-0.06%-0.06%-31 bps
Allowance / Loans1.78%1.97%1.79%1.66%1.85%+7 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 Capital17.09%20.07%16.71%17.26%17.46%+38 bps
Equity / Assets10.09%10.23%10.89%10.43%10.35%+26 bps
Liquidity & Funding
Loans / Deposits67.40%61.59%70.59%75.08%73.01%+561 bps
Liquid Assets / Assets3.16%1.52%6.39%7.31%13.27%+1,011 bps
CRE / Total Capitaln/an/an/an/an/an/an/a