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Letter portraitLegal landscapeQuarterYTD

First National Bank of Southern Kansas, The

Mount Hope, KS · Cert 4734

FDIC

Q2 2012

$67.5MAssets
$29.9MLoans
$60.2MDeposits
$6.4MEquity
Loan mix
51%RE $11.0M40%C&I $8.7M9%Consumer $1.8MQ2 2011Q2 2012
Deposit mix
73%Interest-bearing $43.7M27%Noninterest $16.5MQ2 2011Q2 2012

NIM

4.32%Q2 ’103.88%Q2 ’113.19%Q2 ’120%-16%

Non-interest income vs. expense

3.98%Q2 ’103.69%Q2 ’113.32%Q2 ’12-17%-14%

Executive Summary

  • Earnings: ROA of 0.29%, down 15 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 49.60% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

0.29%-15 bps YoY

Net Interest Margin (quarter, annualized)

2.85%-54 bps YoY

Efficiency Ratio (quarter, annualized)

88.48%+212 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.44%0.62%0.35%-0.07%0.29%-15 bps
Return on Equity4.50%6.12%3.39%-0.69%2.93%-157 bps
Net Interest Margin3.38%3.37%3.14%2.92%2.85%-54 bps
Efficiency Ratio86.36%82.73%90.17%97.87%88.48%+212 bps
Non-Interest Burden2.80%2.61%2.73%2.84%2.41%-39 bps
Growth
Asset Growth (YoY)-8.77%-7.89%-8.61%-1.92%9.80%+1,857 bps
Loan Growth (YoY)-10.93%-11.35%-11.69%-8.49%-10.66%+27 bps
Deposit Growth (YoY)-10.95%-10.50%-10.99%-2.64%10.67%+2,162 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.02%-0.01%0.09%-0.03%-1 bps
Allowance / Loans2.55%2.60%2.61%2.71%2.85%+30 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 Capital15.26%15.62%15.09%15.30%15.74%+47 bps
Equity / Assets10.11%10.29%10.41%9.95%9.54%-57 bps
Liquidity & Funding
Loans / Deposits61.44%60.34%60.47%54.85%49.60%-1,184 bps
Liquid Assets / Assets9.23%9.22%8.11%12.84%15.67%+644 bps
CRE / Total Capitaln/an/an/an/an/an/an/a