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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

5.64%Q2 ’084.97%Q2 ’094.40%Q2 ’10-4%-8%

Non-interest income vs. expense

3.94%Q2 ’083.67%Q2 ’093.34%Q2 ’10-7%-6%

Executive Summary

  • Earnings: ROA of 0.81%, down 13 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.81%.
  • Funding: loans stand at 44.06% of deposits as of Q2 2010.

Financial Results

Return on Assets (quarter, annualized)

0.81%-13 bps YoY

Net Interest Margin (quarter, annualized)

3.88%-32 bps YoY

Efficiency Ratio (quarter, annualized)

79.40%+51 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets0.95%0.95%0.67%0.82%0.81%-13 bps
Return on Equity6.40%6.51%4.61%5.77%5.71%-69 bps
Net Interest Margin4.19%4.38%4.39%3.92%3.88%-32 bps
Efficiency Ratio78.88%78.82%84.77%79.92%79.40%+51 bps
Non-Interest Burden3.21%3.37%3.66%3.05%3.01%-20 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%0.81%+81 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