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Letter portraitLegal landscapeQuarterYTD

Town & Country Bank

Leawood, KS · Cert 57303

FDIC

Q3 2011

$92.1MAssets
$34.3MLoans
$69.7MDeposits
$11.3MEquity
Loan mix
64%RE $19.5M35%C&I $10.6M2%Consumer $0.6MQ3 2010Q3 2011
Deposit mix
90%Interest-bearing $63.1M10%Noninterest $6.6MQ3 2010Q3 2011

NIM

4.64%Q3 ’091.62%Q3 ’104.96%Q3 ’11-24%+232%

Non-interest income vs. expense

3.28%Q3 ’090.74%Q3 ’101.58%Q3 ’11-78%+58%

Executive Summary

  • Earnings: ROA of 4.83%, up 450 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.65%.
  • Funding: loans stand at 49.18% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

4.83%+450 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+249 bps YoY

Efficiency Ratio (YTD, annualized)

38.56%-2,842 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.33%0.68%10.66%5.94%4.83%+450 bps
Return on Equity3.89%7.91%102.49%54.02%42.65%+3,876 bps
Net Interest Margin1.07%2.02%3.35%3.33%3.57%+249 bps
Efficiency Ratio66.98%58.89%43.05%39.08%38.56%-2,842 bps
Non-Interest Burden0.71%1.17%0.77%0.93%1.13%+42 bps
Growth
Asset Growth (YoY)-15.99%-1.41%3.93%12.78%20.46%+3,645 bps
Loan Growth (YoY)-34.93%-28.31%-26.98%-19.45%-21.09%+1,384 bps
Deposit Growth (YoY)-15.26%-2.86%-0.37%9.60%19.99%+3,525 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.03%1.32%0.95%0.65%+66 bps
Allowance / Loans0.04%0.23%0.47%0.59%0.78%+74 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 Capital12.26%13.87%15.20%17.13%18.22%+597 bps
Equity / Assets9.16%9.24%11.50%12.14%12.24%+308 bps
Liquidity & Funding
Loans / Deposits74.78%69.30%63.71%56.91%49.18%-2,560 bps
Liquid Assets / Assets0.01%10.25%5.95%3.47%11.42%+1,141 bps
CRE / Total Capitaln/an/an/an/an/an/an/a