PackageTrendsPeer
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Bank of Holden

Holden, MO · Cert 8297

FDIC

Q2 2008

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 2008, the quarter ended June 30, 2008, 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

Bank of Holden

Holden, MO · Cert 8297

FDIC

Q2 2008

$99.5MAssets
$69.6MLoans
$82.5MDeposits
$10.9MEquity
Loan mix
75%RE $34.0M25%C&I $11.5M0%Consumer $0.1MQ2 2007Q2 2008
Deposit mix
87%Interest-bearing $71.5M13%Noninterest $11.0MQ2 2007Q2 2008

NIM

6.51%Q2 ’066.75%Q2 ’076.82%Q2 ’08-6%+6%

Non-interest income vs. expense

3.64%Q2 ’063.47%Q2 ’074.18%Q2 ’08-5%+39%

Executive Summary

  • Earnings: ROA of -0.09%, down 86 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 84.27% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

-0.09%-86 bps YoY

Net Interest Margin (YTD, annualized)

4.24%+22 bps YoY

Efficiency Ratio (YTD, annualized)

89.78%+1,724 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.77%0.73%0.76%0.95%-0.09%-86 bps
Return on Equity7.65%7.21%7.36%8.57%-0.79%-845 bps
Net Interest Margin4.02%4.08%4.08%4.31%4.24%+22 bps
Efficiency Ratio72.54%72.27%72.04%74.15%89.78%+1,724 bps
Non-Interest Burden2.71%2.74%2.72%3.09%3.77%+106 bps
Growth
Asset Growth (YoY)6.41%5.61%-1.06%1.24%-1.58%-800 bps
Loan Growth (YoY)2.35%1.43%-0.20%0.96%-3.14%-549 bps
Deposit Growth (YoY)3.79%0.86%-7.16%-5.94%-4.77%-856 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.38%0.25%0.23%0.01%0.17%-21 bps
Allowance / Loans0.99%1.05%1.04%1.03%1.34%+35 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 Capital15.59%15.99%16.56%16.80%16.81%+122 bps
Equity / Assets10.21%10.47%11.12%11.17%10.92%+71 bps
Liquidity & Funding
Loans / Deposits82.86%84.04%85.35%84.11%84.27%+142 bps
Liquid Assets / Assets0.88%0.35%0.21%2.64%3.10%+222 bps
CRE / Total Capitaln/an/an/an/an/an/an/a