PackageTrendsPeer
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Teambank, National Association

Paola, KS · Cert 4754

FDIC

Q4 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2008, the quarter ended December 31, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Teambank, National Association

Paola, KS · Cert 4754

FDIC

Q4 2008

$669.8MAssets
$463.8MLoans
$532.5MDeposits
$30.5MEquity
Loan mix
91%RE $344.4M9%C&I $35.2M0%Consumer $0.3MQ4 2007Q4 2008
Deposit mix
90%Interest-bearing $477.7M10%Noninterest $54.8MQ4 2007Q4 2008

NIM

6.24%Q4 ’066.56%Q4 ’075.76%Q4 ’08-2%-12%

Non-interest income vs. expense

3.17%Q4 ’063.23%Q4 ’074.33%Q4 ’08+4%+51%

Executive Summary

  • Earnings: ROA of -4.91%, down 581 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.90%.
  • Funding: loans stand at 87.10% of deposits as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

-4.91%-581 bps YoY

Net Interest Margin (YTD, annualized)

3.06%-42 bps YoY

Efficiency Ratio (YTD, annualized)

86.44%+1,685 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets0.90%0.11%1-1.72%-2.91%-4.91%-581 bps
Return on Equity10.16%1.27%-20.16%-35.42%-65.54%-7,570 bps
Net Interest Margin3.48%3.30%3.27%3.34%3.06%-42 bps
Efficiency Ratio69.59%69.00%69.61%73.54%86.44%+1,685 bps
Non-Interest Burden2.17%2.04%3.40%3.19%3.28%+111 bps
Growth
Asset Growth (YoY)8.32%10.46%7.35%0.39%-2.91%-1,123 bps
Loan Growth (YoY)15.17%15.49%14.88%8.11%-3.55%-1,872 bps
Deposit Growth (YoY)10.33%13.20%8.57%0.22%-1.89%-1,222 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.24%0.26%0.44%1.90%+181 bps
Allowance / Loans1.05%1.41%2.10%3.00%4.80%+375 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 Capital10.56%10.59%10.67%9.58%6.35%-421 bps
Equity / Assets8.75%8.82%7.98%7.23%4.55%-420 bps
Liquidity & Funding
Loans / Deposits88.60%89.46%94.38%95.82%87.10%-150 bps
Liquid Assets / Assets1.24%3.25%0.01%0.01%2.87%+163 bps
CRE / Total Capitaln/an/an/an/an/an/an/a