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La Plata State Bank

La Plata, MO · Cert 8567

FDIC

Q1 2006

$54.7MAssets
$29.0MLoans
$46.9MDeposits
$7.6MEquity
Deposit mix
89%Interest-bearing $41.8M11%Noninterest $5.0MQ1 2005Q1 2006

NIM

3.61%Q1 ’044.11%Q1 ’054.81%Q1 ’06+10%+2%

Non-interest income vs. expense

1.60%Q1 ’041.71%Q1 ’051.74%Q1 ’06+8%-2%

Executive Summary

  • Earnings: ROA of 0.91%, up 6 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 61.93% of deposits as of Q1 2006.

Financial Results

Return on Assets (quarter, annualized)

0.91%+6 bps YoY

Net Interest Margin (quarter, annualized)

2.85%+7 bps YoY

Efficiency Ratio (quarter, annualized)

49.31%-149 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.85%0.84%0.71%0.82%0.91%+6 bps
Return on Equity6.60%6.84%6.04%6.47%6.56%-4 bps
Net Interest Margin2.79%2.54%2.40%2.56%2.85%+7 bps
Efficiency Ratio50.80%49.32%47.00%48.95%49.31%-149 bps
Non-Interest Burden1.46%1.26%1.11%1.27%1.42%-4 bps
Growth
Asset Growth (YoY)-6.80%2.54%9.24%-6.08%-5.92%+89 bps
Loan Growth (YoY)13.76%26.29%13.09%8.49%15.24%+148 bps
Deposit Growth (YoY)-3.49%-8.16%-5.71%-7.16%-7.25%-376 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.04%0.00%0.03%0.03%-7 bps
Allowance / Loans2.58%2.36%2.29%2.34%2.22%-37 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 Capital17.83%16.59%16.82%17.62%17.18%-65 bps
Equity / Assets12.85%11.83%11.79%13.73%13.95%+110 bps
Liquidity & Funding
Loans / Deposits49.85%55.09%58.75%58.85%61.93%+1,209 bps
Liquid Assets / Assets0.30%0.30%0.26%0.30%0.29%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a