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UMB Bank Arizona, National Association

Phoenix, AZ · Cert 58155

FDIC

Q3 2012

$176.7MAssets
$153.3MLoans
$76.6MDeposits
$18.2MEquity
Loan mix
35%RE $51.0M65%C&I $95.4M0%Consumer $0.3MQ3 2011Q3 2012
Deposit mix
54%Interest-bearing $41.7M46%Noninterest $34.9MQ3 2011Q3 2012

NIM

4.99%Q3 ’104.00%Q3 ’113.78%Q3 ’12-18%-5%

Non-interest income vs. expense

2.46%Q3 ’102.18%Q3 ’112.27%Q3 ’12-5%-12%

Executive Summary

  • Earnings: ROA of 1.05%, up 84 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 0.00%.
  • Funding: loans stand at 200.04% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

1.05%+84 bps YoY

Net Interest Margin (quarter, annualized)

3.57%-17 bps YoY

Efficiency Ratio (quarter, annualized)

54.80%+24 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.21%-1.00%1.00%1.05%1.05%+84 bps
Return on Equity2.34%-10.20%9.03%9.99%10.47%+813 bps
Net Interest Margin3.74%3.66%3.62%3.62%3.57%-17 bps
Efficiency Ratio54.56%56.80%61.18%56.24%54.80%+24 bps
Non-Interest Burden1.93%1.92%2.06%1.88%1.70%-23 bps
Growth
Asset Growth (YoY)25.33%31.96%38.08%44.67%32.41%+708 bps
Loan Growth (YoY)26.08%35.23%40.19%36.52%34.32%+824 bps
Deposit Growth (YoY)31.28%32.94%44.68%39.07%27.12%-417 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.60%0.00%0.13%2.49%0.00%-260 bps
Allowance / Loans1.02%1.81%1.72%0.93%0.94%-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 Capital9.14%11.08%11.99%10.55%10.49%+135 bps
Equity / Assets8.87%10.69%11.43%9.77%10.32%+145 bps
Liquidity & Funding
Loans / Deposits189.31%194.52%202%205%200%+1,073 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a