PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Exchange Bank

Mound City, MO · Cert 8592

FDIC

Q1 2007

$20.3MAssets
$8.8MLoans
$17.3MDeposits
$3.0MEquity
Deposit mix
78%Interest-bearing $13.5M22%Noninterest $3.8MQ1 2006Q1 2007

NIM

4.32%Q1 ’055.09%Q1 ’062.12%Q1 ’07+9%-57%

Non-interest income vs. expense

2.14%Q1 ’052.51%Q1 ’060.67%Q1 ’07+11%-72%

Executive Summary

  • Earnings: ROA of 1.22%, down 197 bps year over year; NIM at 1.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.27%.
  • Funding: loans stand at 50.81% of deposits as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

1.22%-197 bps YoY

Net Interest Margin (YTD, annualized)

1.68%-225 bps YoY

Efficiency Ratio (YTD, annualized)

38.00%-1,973 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets3.18%2.89%3.41%2.73%1.22%-197 bps
Return on Equity18.71%16.77%19.16%15.44%7.60%-1,111 bps
Net Interest Margin3.94%3.87%4.02%3.93%1.68%-225 bps
Efficiency Ratio57.73%58.43%56.02%63.66%38.00%-1,973 bps
Non-Interest Burden2.10%2.11%2.11%2.36%0.60%-150 bps
Growth
Asset Growth (YoY)-5.16%-6.17%-8.09%2.49%1.41%+657 bps
Loan Growth (YoY)-3.94%2.90%6.01%12.13%14.36%+1,830 bps
Deposit Growth (YoY)-5.81%-7.55%-11.27%2.03%4.22%+1,004 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.10%-0.23%-0.32%-0.27%-0.27%-17 bps
Allowance / Loans3.81%3.01%1.79%1.69%1.84%-197 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 Capital34.60%33.03%34.78%31.83%11.86%-2,274 bps
Equity / Assets16.95%17.69%19.56%17.40%14.63%-232 bps
Liquidity & Funding
Loans / Deposits46.31%54.23%58.90%55.06%50.81%+450 bps
Liquid Assets / Assets42.28%42.39%41.59%34.15%13.23%-2,905 bps
CRE / Total Capitaln/an/an/an/an/an/an/a