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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

5.40%Q1 ’115.00%Q2 ’115.37%Q3 ’11-7%+12%

Non-interest income vs. expense

2.50%Q1 ’112.00%Q2 ’112.85%Q3 ’11+21%+120%

Executive Summary

  • Earnings: ROA of 0.22%; NIM at 4.28%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.01%.
  • Funding: loans stand at 53.78% of deposits as of Q3 2011.

Financial Results

Return on Assets (quarter, annualized)

0.22%

Net Interest Margin (quarter, annualized)

4.28%

Efficiency Ratio (quarter, annualized)

83.50%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets2.21%1.37%0.69%0.22%n/a
Return on Equityn/a9.10%4.43%1.38%n/a
Net Interest Margin0.89%4.14%3.83%4.28%n/a
Efficiency Ratio10.72%46.77%47.24%83.50%n/a
Non-Interest Burdenn/a1.43%1.72%3.79%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%2.27%0.01%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