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Lone Summit Bank

Lees Summit, MO · Cert 57842

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

Lone Summit Bank

Lees Summit, MO · Cert 57842

FDIC

Q3 2012

$21.4MAssets
$10.5MLoans
$20.7MDeposits
$639KEquity
Loan mix
87%RE $6.9M10%C&I $0.8M3%Consumer $0.2MQ3 2011Q3 2012
Deposit mix
91%Interest-bearing $18.9M9%Noninterest $1.8MQ3 2011Q3 2012

NIM

4.64%Q3 ’104.18%Q3 ’114.01%Q3 ’12-12%+6%

Non-interest income vs. expense

2.25%Q3 ’103.71%Q3 ’114.95%Q3 ’12+36%+62%

Executive Summary

  • Earnings: ROA of -1.80%, up 169 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.80%.
  • Funding: loans stand at 50.70% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-1.80%+169 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+16 bps YoY

Efficiency Ratio (YTD, annualized)

166.00%+5,688 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 Assets-3.50%-4.79%0.22%0.15%-1.80%+169 bps
Return on Equity-53.85%-79.80%5.88%3.96%-49.15%+470 bps
Net Interest Margin2.63%2.72%2.60%2.72%2.80%+16 bps
Efficiency Ratio109.12%122.30%95.40%96.55%166.00%+5,688 bps
Non-Interest Burden2.94%3.41%2.48%2.61%4.76%+182 bps
Growth
Asset Growth (YoY)-18.29%-22.34%-15.24%-20.10%-24.12%-583 bps
Loan Growth (YoY)-18.77%-28.13%-28.90%-39.08%-46.05%-2,728 bps
Deposit Growth (YoY)-17.70%-16.74%-8.79%-15.52%-18.89%-119 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.36%7.88%-0.16%-0.48%4.80%+144 bps
Allowance / Loans5.08%4.33%4.71%6.14%3.26%-182 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 Capital7.63%4.94%5.25%6.59%6.44%-119 bps
Equity / Assets5.55%3.72%3.73%4.17%2.99%-256 bps
Liquidity & Funding
Loans / Deposits76.22%68.09%62.70%54.83%50.70%-2,552 bps
Liquid Assets / Assets1.42%1.67%0.90%1.27%8.79%+737 bps
CRE / Total Capitaln/an/an/an/an/an/an/a