| Financial Information: | Central National Bank | Commerce Bank | Intrust Bank | Sunflower Bank | UMB Bank | US Bank | |||||||||||||||||||||||
| As of Quarter End Date: | 31-Mar-09 | 12/31/2008 | 12/31/2008 | 3/31/2009 | 3/31/2009 | 12/31/2008 | |||||||||||||||||||||||
| FDIC Insurance Coverage: | XX Yes | Yes | Yes | Yes | Yes X | Yes | |||||||||||||||||||||||
| CRA Rating: | Satisfactory | Outstanding | Satisfactory | Outstanding | Outstanding | Outstanding | |||||||||||||||||||||||
| Total Assets: | $873,499,000 | $17,532,447 | $3,480,952,000 | 1,663,309,000 | $10,246,858,000 | $265.9 billion | |||||||||||||||||||||||
| Total Equity: | $78,482,000 | $1,576,632 | $331,133,000 | 142,438,000 | $984,984,000 | $26.3 billion | |||||||||||||||||||||||
| Ratio-Equity divided by the assets in % form: | 8.99% | 9.01% | 9.47% | 8.60% | 9.61% | 9.90% | |||||||||||||||||||||||
| Current Net Profit(Loss) for Quarter: | $2,002,000 | $188,356 | $14,918,000 | 6,173,000 | $22,601,000 | $2.9 billion FYE12/31/08 | |||||||||||||||||||||||
| $330 million 4th Quarter 2008 | |||||||||||||||||||||||||||||
| Profit(Loss) as a percent of Total Assets: | 0.92% | 1.15% | 2.22% | 1.5% (annualized) | 0.22% | 1.21% ROA FYE 12/31/08 | |||||||||||||||||||||||
| 0.51% ROA 4th Quarter 2008 | |||||||||||||||||||||||||||||
| Profit(Loss) as a percent of Equity: | 10.20% | 11.80% | 23.34% | 17.3% (annualized) | 2.29% | 13.9% ROE FYE 12/31/08 | |||||||||||||||||||||||
| 5.3% ROE 4th Quarter 2008 | |||||||||||||||||||||||||||||
| Total Deposits: | $780,148,000 | $12,894,733 | $2,705,189,000 | 1,095,738,000 | $7,676,813,000 | $159.4 billion | |||||||||||||||||||||||
| Total Time Deposits of $100,000 or more: | $84,038,000 | $1,844,456 | $336,551,000 | 126,913,000 | $694,479,000 | $36 billion | |||||||||||||||||||||||
| Total Loans: | $537,971,000 | $11,644,544 | $2,602,015,000 | 956,354,000 | $4,341,568,000 | $185.2 billion | |||||||||||||||||||||||
| Total Loans 90 Days or More Past Due: | $259,000 | $41,280 | $11,382,000 | 43,000 (past due 90days or more and still accruing) | $21,306,000 | 0.84% excluding nonperforming loans | |||||||||||||||||||||||
| 2.14% including nonperforming loans | |||||||||||||||||||||||||||||
| Loan Loss Reserve as Percent of Total Loan: | 1.51% | 1.48% | 1.33% | 0.94% | 1.25% | 1.96% | |||||||||||||||||||||||
| Total Troubled Debt: | $13,759,000 | Non Accrual Loans $ 77,545 | 0 | 10,494,000 (43,000 past due 90 days or more and still accruing + 10,451,000 non-accrual) | $0 | $5.7 billion | |||||||||||||||||||||||
| Total Troubled Debt that has been Renegotiated: | $95,000 | $0 | $0 | 3,127,000 | $0 | $1.5 billion | |||||||||||||||||||||||
| Allowances for Losses on Non Real Estate Loans: | $8,128,000 for all loans (CNB doesn’t distinguish between real estate and non real estate loans) | $172,619 | N/A | 8,982,000 (non RE loans not segregated) | NA | $3.5 million | |||||||||||||||||||||||
| 2008 | 2007 | 2006 | 2008 | 2007 | 2006 | ||||||||||||||||||||||||
| Capital Ratio (Tier 1 and Tier 2 - three most recent years): | 2009: 11.03% | 2008: 10.47% | 2007: 10.59% | 10.92 | 10.31 | 11.25 | 9.47 | 8.97 | 8.32 | 11.19% (T1) | 10.87% (T1) | 11.34% (T1) | 2008 Tier1 = 13.23 | 2007 Tier1 = 13.74 | 2006 Tier1 = 13.81 | 10.60% | 8.30% | 8.80% | |||||||||||
| 11.21 | 10.29 | 10.42 | 10.87 | 10.22 | 9.22 | 1.00% (T2) | 1.25% (T2) | 1.26% (T2) | 2008 Tier2 = 8.47 | 2007 Tier2 = 9.63 | 2006 Tier2 = 9.83 | Tier 1 | Tier 1 | Tier 1 | |||||||||||||||
| Risk Based Capital Ratio (three most recent years): | 2009: 12.27% | 2008: 11.70% | 2007: 11.27% | 12.31 | 11.49 | 12.56 | 12.04 | 11.22 | 10.33 | 12.19% | 12.12% | 12.60% | 2008 = 14.09 | 2007 = 14.58 | 2006 = 14.65 | 14.30% | 12.20% | 12.60% | |||||||||||
| 2008 | 2007 | 2006 | |||||||||||||||||||||||||||
| DBE Financial Institution: | XX No | Yes | XX No | Yes | No X | No | |||||||||||||||||||||||