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Marshall National Bank and Trust Company

Marshall, VA · Cert 6879

FDIC

Q2 2007

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: Q2 2007, the quarter ended June 30, 2007, 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

Marshall National Bank and Trust Company

Marshall, VA · Cert 6879

FDIC

Q2 2007

$209.0MAssets
$159.8MLoans
$152.2MDeposits
$25.7MEquity
Loan mix
87%RE $112.6M13%C&I $17.1M0%Consumer $0.0MQ2 2006Q2 2007
Deposit mix
76%Interest-bearing $115.4M24%Noninterest $36.8MQ2 2006Q2 2007

NIM

5.45%Q2 ’055.44%Q2 ’065.88%Q2 ’07-16%-13%

Non-interest income vs. expense

2.91%Q2 ’052.98%Q2 ’062.72%Q2 ’07-9%+9%

Executive Summary

  • Earnings: ROA of 0.69%, down 61 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 105.00% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.69%-61 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-48 bps YoY

Efficiency Ratio (YTD, annualized)

72.37%+875 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.29%1.18%1.15%0.32%0.69%-61 bps
Return on Equity10.04%9.27%9.07%2.57%5.54%-450 bps
Net Interest Margin3.78%3.65%3.56%3.29%3.30%-48 bps
Efficiency Ratio63.62%64.59%65.20%86.55%72.37%+875 bps
Non-Interest Burden2.07%2.05%2.06%2.79%2.26%+18 bps
Growth
Asset Growth (YoY)17.38%13.46%13.88%9.04%8.89%-849 bps
Loan Growth (YoY)14.53%16.94%12.75%8.06%8.16%-637 bps
Deposit Growth (YoY)7.91%4.90%4.19%0.00%4.43%-348 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.00%0.15%-0.01%-0.01%0 bps
Allowance / Loans0.95%0.89%0.63%0.65%0.64%-31 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 Capital14.48%14.13%13.98%13.69%13.87%-61 bps
Equity / Assets12.74%12.47%12.48%12.30%12.31%-43 bps
Liquidity & Funding
Loans / Deposits101.38%102.25%104.44%104.15%105.00%+362 bps
Liquid Assets / Assets0.27%0.26%0.16%0.16%0.02%-25 bps
CRE / Total Capitaln/an/an/an/an/an/an/a