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Bank of Leeton

Leeton, MO · Cert 8265

FDIC

Q4 2009

$20.1MAssets
$15.2MLoans
$20.3MDeposits
$-272KEquity
Deposit mix
86%Interest-bearing $17.5M14%Noninterest $2.8MQ4 2008Q4 2009

NIM

6.71%Q4 ’075.18%Q4 ’085.25%Q4 ’09-34%-12%

Non-interest income vs. expense

3.00%Q4 ’072.58%Q4 ’084.98%Q4 ’09-13%+89%

Executive Summary

  • Earnings: ROA of -10.50%, down 804 bps year over year; NIM at 2.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 13.30%.
  • Funding: loans stand at 74.52% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-10.50%-804 bps YoY

Net Interest Margin (YTD, annualized)

2.03%-28 bps YoY

Efficiency Ratio (YTD, annualized)

201%+9,477 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-2.46%-19.71%-13.14%-10.05%-10.50%-804 bps
Return on Equity-31.35%-534%-472%-400%-564%-53,244 bps
Net Interest Margin2.31%1.59%1.61%1.66%2.03%-28 bps
Efficiency Ratio106.60%287%241%215%201%+9,477 bps
Non-Interest Burden2.47%5.63%4.59%4.20%4.66%+219 bps
Growth
Asset Growth (YoY)43.84%32.53%16.21%-10.37%-21.36%-6,520 bps
Loan Growth (YoY)60.34%39.15%19.06%-8.79%-24.99%-8,533 bps
Deposit Growth (YoY)46.44%37.55%21.35%-1.32%-12.20%-5,864 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.26%26.80%15.59%11.04%13.30%+1,304 bps
Allowance / Loans2.85%1.79%2.93%3.67%3.48%+63 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 Capital7.75%4.31%2.28%3.32%-1.75%-950 bps
Equity / Assets5.13%2.29%0.86%1.60%-1.35%-649 bps
Liquidity & Funding
Loans / Deposits87.22%75.83%77.34%76.53%74.52%-1,270 bps
Liquid Assets / Assets6.25%5.68%11.40%5.25%5.46%-79 bps
CRE / Total Capitaln/an/an/an/an/an/an/a