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Midamerican Bank and Trust Company, National Association

Leavenworth, KS · Cert 4713

FDIC

Q3 2009

$112.8MAssets
$61.5MLoans
$101.2MDeposits
$10.0MEquity
Loan mix
81%RE $49.1M13%C&I $7.6M6%Consumer $3.6MQ3 2008Q3 2009
Deposit mix
81%Interest-bearing $81.9M19%Noninterest $19.4MQ3 2008Q3 2009

NIM

5.77%Q3 ’075.20%Q3 ’084.87%Q3 ’09-3%+13%

Non-interest income vs. expense

3.41%Q3 ’073.44%Q3 ’083.87%Q3 ’09-14%+23%

Executive Summary

  • Earnings: ROA of 1.53%, up 23 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.29%.
  • Funding: loans stand at 60.80% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

1.53%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+44 bps YoY

Efficiency Ratio (YTD, annualized)

69.86%+188 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets1.31%0.96%1.19%1.72%1.53%+23 bps
Return on Equity15.48%11.42%14.19%20.35%17.87%+239 bps
Net Interest Margin3.32%3.41%3.74%3.79%3.76%+44 bps
Efficiency Ratio67.98%68.52%74.15%66.31%69.86%+188 bps
Non-Interest Burden1.70%1.79%2.41%1.81%2.09%+39 bps
Growth
Asset Growth (YoY)-3.36%0.29%-4.49%-3.85%3.01%+637 bps
Loan Growth (YoY)-8.44%-1.05%1.86%-1.52%-1.23%+720 bps
Deposit Growth (YoY)3.28%3.24%-3.24%-1.84%2.93%-35 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.39%0.63%0.02%0.05%0.29%-10 bps
Allowance / Loans1.90%2.23%2.22%2.34%2.36%+47 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 Capital14.17%13.10%13.12%13.56%13.80%-37 bps
Equity / Assets8.85%8.30%8.52%8.60%8.86%+1 bps
Liquidity & Funding
Loans / Deposits63.37%64.45%66.10%64.51%60.80%-257 bps
Liquid Assets / Assets0.03%0.06%0.03%0.06%0.08%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a