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Letter portraitLegal landscapeQuarterYTD

Bank of Birch Tree

Birch Tree, MO · Cert 8278

FDIC

Q1 2012

$23.6MAssets
$16.7MLoans
$19.8MDeposits
$3.7MEquity
Loan mix
45%RE $6.8M41%C&I $6.2M15%Consumer $2.2MQ1 2011Q1 2012
Deposit mix
79%Interest-bearing $15.7M21%Noninterest $4.1MQ1 2011Q1 2012

NIM

6.34%Q1 ’106.31%Q1 ’115.80%Q1 ’12+8%-5%

Non-interest income vs. expense

4.25%Q1 ’104.34%Q1 ’114.30%Q1 ’12+4%+1%

Executive Summary

  • Earnings: ROA of 0.56%, down 52 bps year over year; NIM at 5.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.72%.
  • Funding: loans stand at 84.37% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

0.56%-52 bps YoY

Net Interest Margin (YTD, annualized)

5.20%-30 bps YoY

Efficiency Ratio (YTD, annualized)

74.93%+398 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets1.08%0.95%1.04%0.87%0.56%-52 bps
Return on Equity6.97%6.16%6.72%5.63%3.61%-336 bps
Net Interest Margin5.49%5.43%5.40%5.38%5.20%-30 bps
Efficiency Ratio70.95%72.55%69.63%70.38%74.93%+398 bps
Non-Interest Burden3.71%3.76%3.55%3.56%3.75%+4 bps
Growth
Asset Growth (YoY)-4.09%-4.32%-1.95%2.32%-0.91%+317 bps
Loan Growth (YoY)-9.06%-3.88%-4.58%-2.08%-2.27%+679 bps
Deposit Growth (YoY)-4.52%-5.08%-2.65%2.64%1.28%+580 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.22%0.12%0.49%0.72%+69 bps
Allowance / Loans2.14%2.17%2.56%2.47%2.52%+38 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 Capital24.23%23.58%24.51%24.23%24.52%+28 bps
Equity / Assets15.25%15.31%15.41%15.55%15.57%+32 bps
Liquidity & Funding
Loans / Deposits87.43%87.23%83.19%86.42%84.37%-306 bps
Liquid Assets / Assets2.66%3.57%5.65%5.69%5.89%+323 bps
CRE / Total Capitaln/an/an/an/an/an/an/a