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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

2.80%Q3 ’102.67%Q3 ’112.49%Q3 ’12-1%-6%

Non-interest income vs. expense

1.54%Q3 ’101.41%Q3 ’111.61%Q3 ’12-31%+43%

Executive Summary

  • Earnings: ROA of 0.95%, down 46 bps year over year; NIM at 2.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.43%.
  • Funding: loans stand at 56.74% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

0.95%-46 bps YoY

Net Interest Margin (quarter, annualized)

2.30%-16 bps YoY

Efficiency Ratio (quarter, annualized)

53.36%+987 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.41%1.00%1.30%1.10%0.95%-46 bps
Return on Equity13.73%10.67%13.61%9.39%7.75%-599 bps
Net Interest Margin2.46%2.32%2.17%2.11%2.30%-16 bps
Efficiency Ratio43.49%43.93%47.99%48.60%53.36%+987 bps
Non-Interest Burden0.63%0.68%0.68%0.68%0.89%+27 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 / Loans-0.09%-0.08%-0.02%0.18%0.43%+53 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