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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

3.90%Q2 ’104.03%Q2 ’113.90%Q2 ’12+8%+1%

Non-interest income vs. expense

3.83%Q2 ’103.81%Q2 ’113.68%Q2 ’12-3%-15%

Executive Summary

  • Earnings: ROA of 0.59%, up 16 bps year over year; NIM at 3.50%.
  • 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 (quarter, annualized)

0.59%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.50%+5 bps YoY

Efficiency Ratio (quarter, annualized)

86.73%-1,358 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.43%1-0.15%-0.76%1.78%0.59%+16 bps
Return on Equity4.36%-1.43%-7.16%16.72%5.66%+131 bps
Net Interest Margin3.45%3.06%3.46%3.35%3.50%+5 bps
Efficiency Ratio100.31%113.38%121.41%88.82%86.73%-1,358 bps
Non-Interest Burden3.47%3.52%4.27%2.93%2.94%-53 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 / Loans-0.22%0.16%0.00%-0.06%-0.06%+16 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