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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

5.82%Q3 ’075.12%Q3 ’084.81%Q3 ’09-2%+11%

Non-interest income vs. expense

3.38%Q3 ’073.43%Q3 ’083.90%Q3 ’09-3%+54%

Executive Summary

  • Earnings: ROA of 1.16%, down 9 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.78%.
  • Funding: loans stand at 60.80% of deposits as of Q3 2009.

Financial Results

Return on Assets (quarter, annualized)

1.16%-9 bps YoY

Net Interest Margin (quarter, annualized)

3.79%+39 bps YoY

Efficiency Ratio (quarter, annualized)

78.11%+1,055 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets1.25%-0.10%1.19%2.25%1.16%-9 bps
Return on Equity14.70%-1.11%14.19%26.31%13.27%-143 bps
Net Interest Margin3.40%3.51%3.74%3.85%3.79%+39 bps
Efficiency Ratio67.56%70.14%74.15%60.23%78.11%+1,055 bps
Non-Interest Burden1.76%1.98%2.41%1.22%2.70%+94 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 / Loans0.49%1.36%0.02%0.08%0.78%+29 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