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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

6.72%Q3 ’075.70%Q3 ’085.04%Q3 ’09-4%+3%

Non-interest income vs. expense

4.30%Q3 ’074.01%Q3 ’083.89%Q3 ’09+2%-3%

Executive Summary

  • Earnings: ROA of 1.02%, up 164 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.10%.
  • Funding: loans stand at 81.00% of deposits as of Q3 2009.

Financial Results

Return on Assets (quarter, annualized)

1.02%+164 bps YoY

Net Interest Margin (quarter, annualized)

4.08%+11 bps YoY

Efficiency Ratio (quarter, annualized)

81.58%-441 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-0.61%0.26%0.27%0.71%1.02%+164 bps
Return on Equity-7.36%3.13%3.23%8.35%11.87%+1,922 bps
Net Interest Margin3.97%3.87%3.75%3.97%4.08%+11 bps
Efficiency Ratio85.99%91.67%86.33%76.60%81.58%-441 bps
Non-Interest Burden3.32%3.49%3.15%2.87%3.20%-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-0.12%0.71%0.25%0.27%-0.10%+2 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