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Hillcrest Bank, National Association

Overland Park, KS · Cert 59015

FDIC

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

Hillcrest Bank, National Association

Overland Park, KS · Cert 59015

FDIC

Q3 2011

$1.3BAssets
$551.3MLoans
$1.0BDeposits
$213.0MEquity
Loan mix
81%RE $376.3M19%C&I $88.0M0%Consumer $1.9MQ4 2010Q3 2011
Deposit mix
91%Interest-bearing $933.4M9%Noninterest $91.6MQ4 2010Q3 2011

NIM

1.14%Q4 ’105.20%Q2 ’115.35%Q3 ’11+361%+4%

Non-interest income vs. expense

0.40%Q4 ’102.25%Q2 ’112.49%Q3 ’11+163%+49%

Executive Summary

  • Earnings: ROA of 0.76%; NIM at 4.16%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 1.11%.
  • Funding: loans stand at 53.78% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

0.76%

Net Interest Margin (YTD, annualized)

4.16%

Efficiency Ratio (YTD, annualized)

56.42%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets2.21%1.37%1.03%0.76%n/a
Return on Equityn/a9.10%6.73%4.90%n/a
Net Interest Margin0.86%4.14%3.98%4.16%n/a
Efficiency Ratio10.45%46.77%46.98%56.42%n/a
Non-Interest Burden-2.49%1.43%1.58%2.34%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/a
Net Charge-Offs / Loans0.00%0.71%1.52%1.11%n/a
Allowance / Loans0.00%0.07%0.09%0.17%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a
Total Risk-Based Capital76.74%84.53%83.92%99.38%n/a
Equity / Assets14.73%15.31%15.75%16.61%n/a
Liquidity & Funding
Loans / Deposits64.17%60.63%56.26%53.78%n/a
Liquid Assets / Assets5.30%8.82%11.56%21.13%n/a
CRE / Total Capitaln/an/an/an/an/an/a