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UMB National Bank of America

Salina, KS · Cert 4768

FDIC

Q3 2012

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: Q3 2012, the quarter ended September 30, 2012, 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

UMB National Bank of America

Salina, KS · Cert 4768

FDIC

Q3 2012

$584.8MAssets
$194.7MLoans
$343.2MDeposits
$72.8MEquity
Loan mix
69%RE $103.4M30%C&I $45.4M1%Consumer $1.6MQ3 2011Q3 2012
Deposit mix
69%Interest-bearing $235.7M31%Noninterest $107.5MQ3 2011Q3 2012

NIM

2.86%Q3 ’102.80%Q3 ’112.55%Q3 ’12+1%-8%

Non-interest income vs. expense

1.50%Q3 ’101.55%Q3 ’111.55%Q3 ’12-6%-1%

Executive Summary

  • Earnings: ROA of 1.10%, down 8 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 56.74% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

1.10%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.35%-19 bps YoY

Efficiency Ratio (YTD, annualized)

49.94%+271 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.19%1.11%1.30%1.18%1.10%-8 bps
Return on Equity13.25%12.59%13.61%11.44%10.23%-303 bps
Net Interest Margin2.55%2.42%2.17%2.12%2.35%-19 bps
Efficiency Ratio47.23%46.45%47.99%48.29%49.94%+271 bps
Non-Interest Burden0.81%0.75%0.68%0.68%0.80%-1 bps
Growth
Asset Growth (YoY)-0.79%-1.54%-2.23%-4.86%-6.15%-536 bps
Loan Growth (YoY)-7.31%-4.11%-6.87%-9.18%-4.51%+279 bps
Deposit Growth (YoY)-16.56%1.74%-9.27%-10.46%-2.44%+1,412 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%0.16%-0.02%0.08%0.20%-5 bps
Allowance / Loans0.94%0.94%0.97%0.95%0.86%-8 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 Capital22.26%19.48%23.43%24.73%24.20%+195 bps
Equity / Assets10.70%8.31%11.27%12.12%12.44%+174 bps
Liquidity & Funding
Loans / Deposits57.98%52.09%56.50%56.25%56.74%-123 bps
Liquid Assets / Assets4.06%2.28%2.23%2.03%2.05%-201 bps
CRE / Total Capitaln/an/an/an/an/an/an/a