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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

5.72%Q2 ’055.63%Q2 ’066.01%Q2 ’07-19%-12%

Non-interest income vs. expense

2.98%Q2 ’053.00%Q2 ’062.28%Q2 ’07-10%-13%

Executive Summary

  • Earnings: ROA of 1.05%, down 35 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 105.00% of deposits as of Q2 2007.

Financial Results

Return on Assets (quarter, annualized)

1.05%-35 bps YoY

Net Interest Margin (quarter, annualized)

3.37%-47 bps YoY

Efficiency Ratio (quarter, annualized)

58.96%-357 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.40%0.98%1.06%0.32%1.05%-35 bps
Return on Equity11.03%7.78%8.47%2.57%8.52%-252 bps
Net Interest Margin3.84%3.58%3.52%3.29%3.37%-47 bps
Efficiency Ratio62.53%66.61%67.22%86.55%58.96%-357 bps
Non-Interest Burden2.04%2.11%2.21%2.79%1.78%-26 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%0.63%-0.01%-0.02%-1 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