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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

6.60%Q2 ’066.95%Q2 ’076.63%Q2 ’08+1%-2%

Non-interest income vs. expense

3.60%Q2 ’063.39%Q2 ’074.85%Q2 ’08-8%+71%

Executive Summary

  • Earnings: ROA of -1.13%, down 232 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.33%.
  • Funding: loans stand at 84.27% of deposits as of Q2 2008.

Financial Results

Return on Assets (quarter, annualized)

-1.13%-232 bps YoY

Net Interest Margin (quarter, annualized)

4.17%-7 bps YoY

Efficiency Ratio (quarter, annualized)

105.95%+3,858 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets1.19%0.66%0.84%0.95%-1.13%-232 bps
Return on Equity11.78%6.39%7.80%8.57%-10.20%-2,198 bps
Net Interest Margin4.24%4.23%4.08%4.31%4.17%-7 bps
Efficiency Ratio67.38%71.76%71.37%74.15%105.95%+3,858 bps
Non-Interest Burden2.60%2.82%2.65%3.09%4.44%+184 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 / Loans0.03%-0.01%0.14%0.01%0.33%+31 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