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Allen Bank and Trust Company

Harrisonville, MO · Cert 8583

FDIC

Q3 2009

$125.1MAssets
$84.3MLoans
$104.1MDeposits
$10.8MEquity
Loan mix
76%RE $46.7M24%C&I $14.5M0%Consumer $0.0MQ3 2008Q3 2009
Deposit mix
79%Interest-bearing $82.6M21%Noninterest $21.6MQ3 2008Q3 2009

NIM

6.89%Q3 ’075.86%Q3 ’084.99%Q3 ’09-9%+1%

Non-interest income vs. expense

4.14%Q3 ’073.92%Q3 ’083.74%Q3 ’09-2%-4%

Executive Summary

  • Earnings: ROA of 0.67%, up 31 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 81.00% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

0.67%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+3 bps YoY

Efficiency Ratio (YTD, annualized)

81.39%-341 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets0.36%0.34%0.27%0.50%0.67%+31 bps
Return on Equity4.34%4.04%3.23%5.82%7.86%+352 bps
Net Interest Margin3.88%3.94%3.75%3.84%3.91%+3 bps
Efficiency Ratio84.79%86.47%86.33%81.29%81.39%-341 bps
Non-Interest Burden3.18%3.31%3.15%3.00%3.06%-12 bps
Growth
Asset Growth (YoY)2.04%-6.00%0.27%-0.01%7.50%+546 bps
Loan Growth (YoY)-2.39%4.61%5.77%7.88%11.43%+1,382 bps
Deposit Growth (YoY)2.15%-6.42%0.37%3.79%-1.30%-345 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.16%0.25%0.25%0.13%+15 bps
Allowance / Loans1.87%1.71%1.78%1.85%1.83%-4 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 Capital13.17%12.98%12.92%13.09%13.23%+6 bps
Equity / Assets8.39%8.49%8.50%8.57%8.64%+25 bps
Liquidity & Funding
Loans / Deposits71.75%73.60%72.46%76.09%81.00%+925 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a