PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

4.58%Q3 ’104.14%Q3 ’113.29%Q3 ’12-3%-12%

Non-interest income vs. expense

2.30%Q3 ’103.19%Q3 ’118.33%Q3 ’12-20%+384%

Executive Summary

  • Earnings: ROA of -6.14%, down 452 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 15.52%.
  • Funding: loans stand at 50.70% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

-6.14%-452 bps YoY

Net Interest Margin (quarter, annualized)

2.40%-32 bps YoY

Efficiency Ratio (quarter, annualized)

379%+30,194 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-1.62%-9.09%0.22%0.08%-6.14%-452 bps
Return on Equity-28.21%-194.19%5.88%2.07%-170.33%-14,212 bps
Net Interest Margin2.72%2.63%2.60%2.73%2.40%-32 bps
Efficiency Ratio76.92%199.21%95.40%97.54%379%+30,194 bps
Non-Interest Burden1.76%4.44%2.48%2.65%8.53%+677 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 / Loans2.57%19.74%-0.16%-0.75%15.52%+1,294 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