Loan Portfolio March 31, 2013 3/31/13 Balance of $1,918,615 - - PowerPoint PPT Presentation

Loan Portfolio

March 31, 2013

Portfolio Diversification

• - LEGACY LOANS --

3/31/13 Balance of $1,918,615

(in thousands)

Consumer* $228,746 12% Single Family Real Estate $254,223 13% Multifamily Real Estate $269,111 14% Commercial Real Estate $688,207 36% Const & Land Dev $186,052 10% Bonds $48,768 2% Commercial Business $243,508 13% *Includes Home Equity Loans of $54,413 **Includes Home Equity Loans of $54,425 Consumer** $220,650 12% Single Family Real Estate $255,923 14% Multifamily Real Estate $265,869 14% Commercial Real Estate $665,104 35% Const & Land Dev $183,855 10% Bonds $52,762 3% Commercial Business $221,297 12%

12/31/12 Balance of $1,865,460

(in thousands)

Portfolio Diversification

• - PURCHASED LOANS --

3/31/13 Balance of $613,507

(in thousands)

Consumer* $84,435 14% Single Family Real Estate $298,190 48% Multifamily Real Estate $65,516 11% Commercial Real Estate $130,163 21% Const & Land Dev $16,920 3% Bonds $4,496 1% Commercial Business $13,787 2% *Includes Home Equity Loans of $70,089 and excludes Student Loans of $518 Consumer** $91,021 13% Single Family Real Estate $317,321 47% Multifamily Real Estate $72,449 11% Commercial Real Estate $148,880 22% Const & Land Dev $18,342 3% Bonds $4,708 1% Commercial Business $21,623 3%

12/31/12 Balance of $674,344

(in thousands)

**Includes Home Equity Loans of $75,160 and excludes Students Loans of $512

Portfolio by Region

• - LEGACY LOANS --

3/31/13 Balance of $1,918,615

(in thousands)

Springfield $442,856 23% St Louis $424,414 22% Branson $134,747 7% Kansas City $141,217 7% Joplin $63,457 3% Other Missouri $142,661 8% Fayetteville $75,303 4% Sioux City $23,277 1% Other Regions $470,683 25%

12/31/12 Balance of $1,865,460

(in thousands)

Springfield $438,324 24% St Louis $389,886 21% Branson $140,864 8% Kansas City $136,671 7% Joplin $62,023 3% Other Missouri $141,451 8% Fayetteville $81,126 4% Sioux City $21,043 1% Other Regions $454,072 24%

Portfolio by Region

• - PURCHASED LOANS --

3/31/13 Balance of $613,507

(in thousands)

12/31/12 Balance of $674,344

(in thousands)

*Excludes Student Loans of $518 *Excludes Student Loans of $512 Springfield $4,216 1% St Louis $53,169 9% Kansas City $39,737 6% Other Missouri $55,046 9% Minneapolis $320,629 52% Sioux City $33,839 6% Other Regions $106,871 17% Springfield $4,568 1% St Louis $67,902 10% Kansas City $42,104 6% Other Missouri $61,044 9% Minneapolis $338,272 50% Sioux City $36,189 5% Other Regions $124,265 19%

Commercial Real Estate

• - LEGACY LOANS --

3/31/13 Balance of $688,207

(in thousands)

Retail $141,020 20% Healthcare $100,768 15% Motels / Hotels $122,462 18% Restaurants $27,688 4% Office Buildings $119,756 17% Recreational Facilities $30,989 4% Industrial $74,038 11% Storage $32,047 5% Other $39,439 6%

12/31/12 Balance of $665,104

(in thousands)

Retail $129,815 19% Healthcare $95,794 14% Motels / Hotels $125,184 19% Restaurants $25,433 4% Office Buildings $116,556 17% Recreational Facilities $30,485 5% Industrial $71,705 11% Storage $32,432 5% Other $37,700 6%

Construction & Land Development

• - LEGACY LOANS --

3/31/13 Balance of $186,052

(in thousands)

Single Family $19,795 11% Apartments $28,945 16% Residential Land Dev $34,235 18% Vacant Land $23,301 12% Commercial Land Dev $29,571 16% Retail $17,384 9% Healthcare $4,759 3% Motels / Hotels $2,670 1% Industrial $16,594 9% Other $8,798 5%

12/31/12 Balance of $183,855

(in thousands)

Single Family $16,608 9% Apartments $27,556 15% Residential Land Dev $35,641 19% Vacant Land $18,721 10% Commercial Land Dev $44,442 24% Retail $10,237 6% Healthcare $16,877 9% Motels / Hotels $4,427 3% Industrial $4,960 3% Other $4,386 2%

NonPerforming by Type

• - LEGACY LOANS --

3/31/13 Balance of $25,197

(in thousands)

*Includes Home Equity Loans of $220 **Includes Home Equity Loans of $314

12/31/12 Balance of $22,478

(in thousands)

Consumer* $1,249 5% Single Family Real Estate $2,822 11% Multifamily Real Estate $3,822 15% Commercial Real Estate $9,442 37% Const & Land Dev $638 3% Bonds $2,029 8% Commercial Business $5,195 21% Consumer* $1,071 5% Single Family Real Estate $4,361 19% Commercial Real Estate $8,324 37% Const & Land Dev $2,473 11% Bonds $2,110 9% Commercial Business $4,139 19%

NonPerforming by Region

• - LEGACY LOANS --

3/31/13 Balance of $25,197

(in thousands)

12/31/12 Balance of $22,478

(in thousands)

Springfield $6,035 24% Branson $9,079 36% Kansas City $2,048 8% Joplin $83 0% Other Missouri $975 4% Fayetteville $24 0% Sioux City $22 0% Other Regions $6,931 28% Springfield $3,904 17% Branson $5,535 25% Kansas City $2,132 9% Other Missouri $1,383 6% Fayetteville $2,441 11% Other Regions $7,083 32%