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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

4.34%Q3 ’094.86%Q3 ’105.81%Q3 ’11+127%+34%

Non-interest income vs. expense

3.98%Q3 ’092.21%Q3 ’101.68%Q3 ’11-42%-25%

Executive Summary

  • Earnings: ROA of 2.79%, up 176 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.08%.
  • Funding: loans stand at 49.18% of deposits as of Q3 2011.

Financial Results

Return on Assets (quarter, annualized)

2.79%+176 bps YoY

Net Interest Margin (quarter, annualized)

4.31%+109 bps YoY

Efficiency Ratio (quarter, annualized)

37.65%-2,933 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets1.03%1.77%10.66%1.30%2.79%+176 bps
Return on Equity12.14%19.23%102.49%11.03%22.87%+1,072 bps
Net Interest Margin3.22%4.96%3.35%3.38%4.31%+109 bps
Efficiency Ratio66.98%53.91%43.05%33.96%37.65%-2,933 bps
Non-Interest Burden2.13%2.65%0.77%1.10%1.61%-53 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-0.02%0.16%1.32%0.40%-0.08%-6 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