Loan Portfolio June 30, 2013 6/30/13 Balance of $1,949,415 3/31/13 - - PowerPoint PPT Presentation

Loan Portfolio

June 30, 2013

Portfolio Diversification

• - LEGACY LOANS --

6/30/13 Balance of $1,949,415

(in thousands)

Consumer* $242,198 12% Single Family Real Estate $251,638 13% Multifamily Real Estate $258,372 13% Commercial Real Estate $713,951 37% Const & Land Dev $194,837 10% Bonds $40,854 2% Commercial Business $247,565 13% *Includes Home Equity Loans of $54,209 **Includes Home Equity Loans of $54,413 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%

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

(in thousands)

Portfolio Diversification

• - PURCHASED LOANS --

6/30/13 Balance of $554,756

(in thousands)

Consumer* $78,392 14% Single Family Real Estate $281,405 51% Multifamily Real Estate $54,917 10% Commercial Real Estate $112,950 20% Const & Land Dev $11,398 2% Bonds $4,433 1% Commercial Business $11,261 2% *Includes Home Equity Loans of $65,789 **Includes Home Equity Loans of $70,089 and excludes Student Loans of $512 and excludes Student Loans of $518 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%

3/31/13 Balance of $613,507

(in thousands)

Portfolio by Region

• - LEGACY LOANS --

6/30/13 Balance of $1,949,415

(in thousands)

Springfield $436,142 22% St Louis $428,744 22% Branson $130,221 7% Kansas City $145,381 8% Joplin $65,786 3% Other Missouri $150,760 8% Sioux City $27,880 1% Omaha $27,789 1% Fayetteville $72,912 4% Other Regions $463,800 24%

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% Sioux City $23,277 1% Fayetteville $75,303 4% Other Regions $470,683 25%

Portfolio by Region

• - PURCHASED LOANS --

6/30/13 Balance of $554,756

(in thousands)

3/31/13 Balance of $613,507

(in thousands)

*Excludes Student Loans of $512 **Excludes Student Loans of $518

Springfield $3,892 1% St Louis $49,488 9% Kansas City $33,432 6% Other Missouri $47,288 8% Minneapolis $294,801 53% Sioux City $27,092 5% Des Moines $17,300 3% Omaha $5,179 1% Other Regions $76,284 14% 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% Des Moines $20,073 3% Omaha $5,552 1% Other Regions $81,246 13%

Commercial Real Estate

• - LEGACY LOANS --

6/30/13 Balance of $713,951

(in thousands)

Retail $161,410 23% Healthcare $89,751 13% Motels / Hotels $117,358 16% Restaurants $31,165 4% Office Buildings $121,988 17% Recreational Facilities $29,679 4% Industrial $83,215 12% Storage $29,303 4% Other $50,082 7%

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%

Construction & Land Development

• - LEGACY LOANS --

6/30/13 Balance of $194,837

(in thousands)

Single Family $19,973 10% Apartments $24,818 13% Residential Land Dev $35,495 18% Vacant Land $23,160 12% Commercial Land Dev $40,596 21% Retail $27,337 14% Healthcare $4,990 3% Motels / Hotels $2,866 1% Office $8,590 4% Industrial $6,032 3% Other $980 1%

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%

NonPerforming by Type

• - LEGACY LOANS --

6/30/13 Balance of $24,700

(in thousands)

*Includes Home Equity Loans of $186 **Includes Home Equity Loans of $220

3/31/13 Balance of $25,197

(in thousands)

Consumer* $896 4% Single Family Real Estate $3,303 13% Commercial Real Estate $11,169 45% Const & Land Dev $1,531 6% Bonds $2,023 8% Commercial Business $5,778 24% 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%

NonPerforming by Region

• - LEGACY LOANS --

6/30/13 Balance of $24,700

(in thousands)

3/31/13 Balance of $25,197

(in thousands)

Springfield $3,907 16% St Louis $2,019 8% Branson $4,401 18% Kansas City $2,031 8% Joplin $2,724 11% Other Missouri $905 4% Other Regions $8,713 35% Springfield $6,035 24% Branson $9,079 36% Kansas City $2,048 8% Joplin $83 0% Other Missouri $975 4% Sioux City $22 0% Fayetteville $24 0% Other Regions $6,931 28%