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Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Director’s Report
Your BankAny City, US
Your BankAny City, US
Overview
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Any City, US Any City, US Any City, US Any City, US Any City, US Any City, US Any City, US Any City, US
Star Rating ***** ***½ **** **** ***** ** S.U. *****
Established 1972 1973 1981 1982 1921 1999 2004 1998
Employees 27 50 23 45 18 48 29 38
Locations 2 8 2 4 2 5 1 4
Sub S No No Yes No No No No No
FDIC Cert # 11111 22222 33333 44444 55555 66666 77777 88888
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Current quarter versus 3 most recent year-ends. Current quarter versus
3 most recent year-ends.
0%
5%
10%
15%
20%
25%
Leverage Capital Ratio
Dec. 2003 10.08% 11.17% 9.88% 8.80% 9.87% 7.28% 10.94%
Dec. 2004 11.31% 11.53% 9.69% 8.99% 9.77% 6.27% 20.89% 9.89%
Dec. 2005 11.44% 11.42% 10.12% 8.63% 10.41% 6.35% 11.30% 10.50%
March 2006 12.09% 11.84% 10.91% 9.44% 10.65% 5.94% 11.65% 10.90%
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Current quarter versus 3 most recent year-ends. Current quarter versus
3 most recent year-ends.
0%
5%
10%
15%
20%
25%
30%
35%
Risk-based Capital Ratio
Dec. 2003 15.03% 16.92% 11.63% 10.28% 33.39% 11.08% 14.88%
Dec. 2004 14.89% 19.07% 11.68% 10.13% 29.63% 11.02% 18.46% 13.10%
Dec. 2005 15.78% 17.57% 12.31% 10.26% 28.55% 10.67% 10.38% 13.94%
March 2006 16.36% 17.86% 13.00% 10.64% 28.29% 9.62% 10.89% 13.76%
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
•
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Current quarter versus 3 most recent year-ends. Current quarter versus
3 most recent year-ends.
$0
$50
$100
$150
$200
Millions
Assets
Dec. 2003 $110.437 $145.638 $138.348 $135.994 $115.526 $156.099 $107.155
Dec. 2004 $123.407 $146.864 $166.306 $154.752 $125.059 $173.990 $57.350 $131.494
Dec. 2005 $133.178 $156.002 $170.530 $163.721 $120.089 $162.206 $121.219 $144.232
March 2006 $134.669 $155.717 $173.475 $165.695 $126.038 $160.463 $139.269 $146.852
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Current quarter versus 3 most recent year-ends. Current quarter versus
3 most recent year-ends.
$0
$20
$40
$60
$80
$100
$120
$140
$160
$180
Millions
Loans
Dec. 2003 $70.730 $77.875 $130.136 $94.007 $25.368 $99.357 $80.917
Dec. 2004 $83.984 $71.960 $156.083 $108.601 $27.270 $80.151 $52.810 $101.532
Dec. 2005 $90.218 $91.420 $161.751 $123.105 $30.152 $84.756 $114.615 $107.542
March 2006 $95.960 $95.035 $163.819 $114.544 $29.438 $92.232 $129.641 $113.063
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Director’s Report presented by BAUERFINANCIAL, INC.www.bauerfinancial.com
Current quarter versus 3 most recent year-ends. Current quarter versus
3 most recent year-ends.
$0
$20
$40
$60
$80
$100
$120
$140
$160
Millions
Deposits
Dec. 2003 $92.317 $129.114 $119.110 $123.601 $101.682 $120.787 $88.649
Dec. 2004 $103.271 $129.388 $136.497 $141.507 $112.306 $144.526 $37.769 $111.451
Dec. 2005 $104.909 $137.945 $133.936 $148.191 $105.033 $124.501 $90.168 $121.777
March 2006 $103.801 $137.170 $130.658 $146.165 $113.924 $118.107 $103.725 $119.518
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Current quarter versus 3 most recent year-ends. Current quarter versus
3 most recent year-ends.
0%
50%
100%
150%
200%
250%
Efficiency Ratio
Dec. 2003 92.09% 63.30% 33.21% 75.22% 60.13% 91.09% 74.27%
Dec. 2004 67.24% 73.50% 32.17% 74.83% 61.03% 103.30% 226.05% 65.28%
Dec. 2005 55.57% 69.21% 27.95% 63.66% 60.99% 121.01% 105.34% 57.73%
March 2006 33.06% 66.29% 32.05% 55.76% 65.00% 132.35% 99.09% 60.48%
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Current quarter versus 3 most recent year-ends. Current quarter versus
3 most recent year-ends.
-4.0%
-3.0%
-2.0%
-1.0%
0.0%
1.0%
2.0%
3.0%
4.0%
Return on Assets(Tax equivalent for Sub S corporations)
Dec. 2003 0.41% 1.17% 2.20% 0.65% 1.07% -0.39% 0.62%
Dec. 2004 1.07% 0.86% 2.03% 0.64% 1.07% -0.34% -3.79% 1.03%
Dec. 2005 1.29% 0.78% 2.45% 1.00% 0.99% -1.13% -0.51% 1.33%
March 2006 3.22% 1.00% 2.23% 1.45% 0.83% -1.33% -0.29% 1.29%
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Current quarter versus 3 most recent year-ends. Current quarter versus
3 most recent year-ends.
-30.0%
-20.0%
-10.0%
0.0%
10.0%
20.0%
30.0%
Return on Equity(Tax equivalent for Sub S corporations)
Dec. 2003 4.43% 10.41% 22.30% 7.09% 10.00% -5.00% 6.71%
Dec. 2004 9.10% 7.53% 20.91% 7.10% 10.80% -4.93% -11.56% 10.05%
Dec. 2005 11.72% 6.72% 24.43% 12.23% 10.35% -17.85% -4.62% 13.22%
March 2006 28.16% 8.59% 21.22% 15.67% 8.78% -21.83% -2.64% 12.04%
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Asset QualityCurrent quarter versus 3 most recent year-ends
Asset QualityCurrent quarter versus 3 most recent year-ends
0.0%
0.5%
1.0%
1.5%
2.0%
2.5%
3.0%
Delinquent Loans as a percent of Gross Loans(90 days or more + nonaccrual)
Dec. 2003 0.52% 0.00% 0.52% 0.00% 0.00% 2.04% 2.98%
Dec. 2004 0.00% 1.49% 1.22% 0.00% 0.00% 1.44% 0.00% 0.80%
Dec. 2005 0.00% 0.00% 0.91% 0.00% 0.00% 0.59% 0.00% 0.72%
March 2006 0.00% 0.00% 0.89% 0.00% 0.00% 0.81% 0.04% 0.05%
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Asset QualityCurrent quarter versus 3 most recent year-ends
Asset QualityCurrent quarter versus 3 most recent year-ends
-1.0%
0.0%
1.0%
2.0%
3.0%
4.0%
Annualized Chargeoffs minus Recoveries as a percent of Gross Loans
Dec. 2003 0.02% 0.12% -0.02% 0.02% 0.00% 1.00% 0.26%
Dec. 2004 0.00% -0.22% 0.00% 0.00% 0.00% 3.77% 0.00% 0.00%
Dec. 2005 0.03% -0.01% 0.00% 0.00% 0.00% 1.24% 0.00% 0.09%
March 2006 0.00% 0.00% 0.00% -0.01% 0.00% 0.31% 0.00% -0.34%
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Loan PortfolioLoan PortfolioYour Bank
6.4%
15.4%12.0%
60.6%
4.5%0.0%
1.2%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Your Bank
6.4%
15.4%12.0%
60.6%
4.5%0.0%
1.2%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Choice #1
0.7%
38.3%
44.1%
8.8%
7.3%
0.3%
0.6%
Residential Construction Commercial R/E BusinessFarmland Consumer Other
Choice #1
0.7%
38.3%
44.1%
8.8%
7.3%
0.3%
0.6%
Residential Construction Commercial R/E BusinessFarmland Consumer Other
Choice #2
7.4%8.2%
84.0%
0.0%
0.1%
0.4%
0.0%
Residential Construction Commercial R/E BusinessFarmland Consumer Other
Choice #2
7.4%8.2%
84.0%
0.0%
0.1%
0.4%
0.0%
Residential Construction Commercial R/E BusinessFarmland Consumer Other
Choice #34.1%
4.7%
18.0%
0.0%
0.2%
0.5%
72.6%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Choice #34.1%
4.7%
18.0%
0.0%
0.2%
0.5%
72.6%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Loan Portfolio - ContinuedLoan Portfolio - ContinuedChoice #4
32.2%7.1%
50.7%
8.5%
1.5%
0.1%
0.0%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Choice #4
32.2%7.1%
50.7%
8.5%
1.5%
0.1%
0.0%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Choice #5
6.2%
6.1%
65.4%
20.5%
0.0%
0.1%
1.8%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Choice #5
6.2%
6.1%
65.4%
20.5%
0.0%
0.1%
1.8%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Choice #6
10.8% 38.9%
16.9%
31.3%
0.8%
1.3%
0.0%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Choice #6
10.8% 38.9%
16.9%
31.3%
0.8%
1.3%
0.0%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Choice #711.9%
25.0%
43.9%19.1%
0.0%
0.1%
0.0%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Choice #711.9%
25.0%
43.9%19.1%
0.0%
0.1%
0.0%
Residential Construction Commercial R/E Business
Farmland Consumer Other
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Choice #2
0.0% 7.9%
58.8%
33.3%
0.0%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Choice #2
0.0% 7.9%
58.8%
33.3%
0.0%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Domestic DepositsDomestic Deposits
Your Bank
20.7%
38.1%
19.0%
20.2%2.0%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Your Bank
20.7%
38.1%
19.0%
20.2%2.0%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Choice #1
14.9%
7.2%34.9%
28.5%14.5%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Choice #1
14.9%
7.2%34.9%
28.5%14.5%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Choice #3
33.7%
44.7%
6.3%
3.9%11.5%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Choice #3
33.7%
44.7%
6.3%
3.9%11.5%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Domestic Deposits - ContinuedDomestic Deposits - Continued
Choice #4
6.6%
24.6%
30.5%
12.7%
25.5%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Choice #4
6.6%
24.6%
30.5%
12.7%
25.5%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Choice #5
15.4%
4.0% 32.9%
23.7%24.0%
MMDA Savings CDs under $100,000 Jumbo CDs
Choice #5
15.4%
4.0% 32.9%
23.7%24.0%
MMDA Savings CDs under $100,000 Jumbo CDs
Choice #6
11.2%
25.0% 16.1%
47.5%0.1%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Choice #6
11.2%
25.0% 16.1%
47.5%0.1%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Choice #7
1.6%
34.8%
33.0%
18.7%
11.9%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Choice #7
1.6%
34.8%
33.0%
18.7%
11.9%
Transaction Accts. MMDA Savings CDs under $100,000 Jumbo CDs
Director’s Report presented by BAUERFINANCIAL, Inc.www.bauerfinancial.com
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Dec. 2003 3.13% 3.72% 3.86% 2.26% 3.79% 3.85% N.A. 3.56%
Dec. 2004 3.24% 3.41% 3.49% 2.41% 3.75% 3.95% N.A. 3.30%
Dec. 2005 3.49% 2.98% 3.09% 3.51% 3.79% 3.90% 4.40% 3.26%
March 2006 3.70% 3.99% 4.10% 4.67% 3.91% 4.00% 4.48% 3.37%
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Dec. 2003 6.87% 7.67% 8.58% 6.67% 6.70% 8.38% N.A. 6.64%
Dec. 2004 7.09% 7.09% 7.50% 6.20% 6.20% 8.19% 4.21% 6.65%
Dec. 2005 7.95% 8.06% 8.41% 7.12% 6.28% 7.69% 6.60% 7.76%
March 2006 8.54% 8.15% 8.80% 8.28% 6.36% 7.57% 7.26% 8.61%
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Dec. 2003 2.14% 2.40% 3.43% 1.74% 1.35% 3.73% N.A. 2.21%
Dec. 2004 1.90% 1.86% 2.60% 1.32% 1.16% 2.86% 2.85% 2.11%
Dec. 2005 2.85% 2.63% 3.27% 2.73% 2.07% 3.49% 4.17% 3.19%
March 2006 3.91% 3.08% 3.98% 3.68% 2.99% 4.08% 4.42% 3.86%
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Dec. 2003 1.35% 1.18% 3.07% 1.05% 0.62% 2.68% N.A. 1.58%
Dec. 2004 1.23% 0.91% 2.45% 0.91% 0.41% 2.34% 1.22% 1.23%
Dec. 2005 1.89% 1.13% 3.10% 1.47% 0.55% 2.70% 3.26% 1.72%
March 2006 2.49% 1.71% 3.71% 1.68% 0.72% 3.08% 3.92% 2.23%
Your Bank Choice #1 Choice #2 Choice #3 Choice #4 Choice #5 Choice #6 Choice #7
Dec. 2003 4.33% 4.70% 5.33% 4.65% 3.94% 3.95% N.A. 4.46%
Dec. 2004 4.62% 4.32% 4.99% 4.55% 3.83% 3.77% 3.00% 4.81%
Dec. 2005 4.80% 4.61% 5.28% 4.91% 3.61% 3.11% 3.67% 5.34%
March 2006 4.62% 5.09% 5.11% 5.96% 3.50% 2.79% 3.76% 5.74%
Yield
Investments
Yield loans
Cost jumbo cd’s
Cost other iba
Net interest margin