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Hoisington National Bank

Hoisington, KS · Cert 4688

FDIC

Q2 2010

$22.3MAssets
$8.3MLoans
$18.9MDeposits
$3.3MEquity
Deposit mix
75%Interest-bearing $14.3M25%Noninterest $4.7MQ2 2009Q2 2010

NIM

5.68%Q2 ’084.98%Q2 ’094.43%Q2 ’10-4%-7%

Non-interest income vs. expense

3.99%Q2 ’083.50%Q2 ’093.39%Q2 ’10-16%+4%

Executive Summary

  • Earnings: ROA of 0.82%, down 4 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 0.41%.
  • Funding: loans stand at 44.06% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

0.82%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.89%-28 bps YoY

Efficiency Ratio (YTD, annualized)

79.66%+617 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets0.86%0.89%0.84%0.82%0.82%-4 bps
Return on Equity5.80%6.02%5.67%5.77%5.71%-8 bps
Net Interest Margin4.17%4.23%4.30%3.92%3.89%-28 bps
Efficiency Ratio73.49%75.26%77.64%79.92%79.66%+617 bps
Non-Interest Burden2.90%3.06%3.23%3.05%3.02%+12 bps
Growth
Asset Growth (YoY)4.31%3.27%0.47%6.10%3.42%-89 bps
Loan Growth (YoY)-1.42%1.82%-8.46%-6.40%-3.67%-225 bps
Deposit Growth (YoY)4.13%-2.05%-1.83%7.48%3.55%-58 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.41%+41 bps
Allowance / Loans0.85%0.83%0.89%0.91%0.68%-17 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 Capital26.06%24.75%25.77%24.36%24.05%-201 bps
Equity / Assets14.74%14.60%14.69%13.85%14.72%-2 bps
Liquidity & Funding
Loans / Deposits47.36%49.99%46.21%41.45%44.06%-330 bps
Liquid Assets / Assets9.94%8.22%8.55%8.59%9.24%-70 bps
CRE / Total Capitaln/an/an/an/an/an/an/a