Tucker Anthony Capital Markets
Fourth Annual
Bank and Thrift Conference
September 22, 2000
GOLD BANC
<PAGE>
OUR FOCUS:
Building America's Premier Community
Banking and Financial Services Company
<PAGE>
OUR MODEL:
- Local decision making;
- Embrace the social, civic and economic responsibilities of
our communities (45 communities; 70 locations; 4 states);
- Focus on Main Street America (middle market customers with
revenue of up to $200M);
- Cross-sell Gold's financial products which include:
- Banking (commercial, personal and Internet
banking, insurance);
- Asset and wealth management (retail brokerage,
institutional sales, trust, investment advisory, asset
management);
- Networked financial services (technology-based
products).
<PAGE>
OUR FINANCIAL SERVICES MARKET
Florida:
Brandenton
Sarasota
Kansas:
Clay Center
Colby
Leawood
Marysville
Oberlin
Pittsburg
Seneca
Shawnee
Missouri:
Kansas City
St. Joseph
Oklahoma:
Edmond
El Reno
Enid
Guymon
Kingfisher
Tulsa
KEY MARKET AREAS
- Johnson County, KS
- Tulsa/Oklahoma City, OK
- Sarasota/Bradenton, FL
<PAGE>
MARKET SHARE IN KEY AREAS
State of Kansas
COMMERCIAL BANK DEPOSIT MARKET SHARE
STATE OF KANSAS
(Dollars in thousands)
DEPOSITS MARKET SHARE
HOLDING COMPANY NAME BR. JUN-99 JUNE-99
1 BANK OF AMERICA CORP. 81 2,735,597 7.04%
2 INTRUST FINANCIAL CORP. 54 1,807,623 4.65%
3 COMMERCE BANCSHARES INC. 73 1,718,865 4.43%
4 FIRSTAR CORP. 43 1,337,427 3.44%
5 VALLEY VIEW BANCSHARES, INC. 21 1,185,527 3.05%
6 UMB FINANCIAL CORP. 35 1,116,701 2.88%
7 FIRST NATIONAL OF NEBRASKA 6 771,005 1.99%
__________________________________________________________________
8 GOLD BANC CORP. 26 712,474 1.83%
__________________________________________________________________
9 EMPRISE FINANCIAL CORPORATION 26 638,115 1.64%
10 SUNFLOWER BANKS, INC. 23 536,013 1.38%
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MARKET SHARE IN KEY AREAS
STATE OF OKLAHOMA
COMMERCIAL BANK DEPOSIT MARKET SHARE
State of Oklahoma
(Dollars in thousands)
MARKET
DEPOSITS SHARE
HOLDING COMPANY NAME BR. JUN-99 JUNE-99
1 BOK FINANCIAL CORP. 75 3,791,412 10.36%
2 BANK OF AMERICA CORP. 73 2,243,823 6.13%
3 BANK ONE CORP. 42 2,233,995 6.10%
4 BANCFIRST CORP. 88 2,187,005 5.97%
5 LOCAL FINANCIAL CORP. 54 1,652,757 4.52%
6 ARVEST BANK GROUP, INC. 50 1,402,734 3.83%
7 SOUTHWEST BANCORP INC. 7 823,613 2.25%
__________________________________________________________________
8 GOLD BANC CORP. 20 625,981 1.71%
__________________________________________________________________
9 F & M BANCORPORATION 6 614,617 1.68%
10 DURANT BANCORP, INCORPORATED 15 570,535 1.56%
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MARKET SHARE IN KEY AREAS
Manatee County, Florida
COMMERCIAL BANK DEPOSIT MARKET SHARE
Manatee County, Florida
(Dollars in thousands)
MARKET
DEPOSITS SHARE
HOLDING COMPANY NAME BR. JUN-99 JUNE-99
1 BANK OF AMERICA CORP. 31 1,019,701 34.49%
2 SOUTHTRUST CORP. 14 288,657 9.76%
_________________________________________________________________
3 GOLD BANC CORP. 7 275,504 9.32%
_________________________________________________________________
4 FIRST UNION CORP. 14 207,631 7.02%
5 REPUBLIC BANCSHARES INC. 7 203,581 6.89%
6 REGIONS FINANCIAL CORP. 5 156,208 5.28%
7 FIRST NATIONAL BANCSHARES 6 138,902 4.70%
INC.
8 HUNTINGTON BANCSHARES INC. 3 89,111 3.01%
9 NORTHERN TRUST CORP. 3 83,861 2.84%
10 SUNTRUST BANKS INC. 4 76,512 2.59%
<PAGE>
WHAT MAKES OUR MODEL WORK?
Customers have 24-hour a day access to us:
- in person;
- by telephone;
- by computer.
Customers receive responsive service:
- Decentralized decision making;
- Centralized operational support and roll-out of
new products and services allow our bankers to focus on
sales and customer service;
<PAGE>
OUR FUNDAMENTALS
GROWTH, RETURNS AND BUILDING VALUE
<PAGE>
GROWING TOTAL ASSETS
(as reported, before pooling restatements in millions)
1994 1995 1996** 1997 1998 1999 Jun-00
$291 $333 $377 $515 $1,111 $1,407 $2,675
50% compound annual growth
** 75% CAGR in 3 years since IPO
<PAGE>
INCREASING NET INCOME
(as reported, before pooling restatements in millions)
1994 1995 1996 1997 1998 1999 Jun-99 Jun-00
YTD
$1.7 $1.2 $2.1 $3.7 $9.1 $12.9 $6.5 $13.5
50% compound annual growth
Note: 1999 and 2000 earnings are recurring income, without one-
time charges
<PAGE>
GROWING EARNINGS PER SHARE
(as reported, before pooling restatements)
1994 1995 1996 1997 1998 1999 Jun- Jun-
99 00
EPS $0.38 $0.24 $0.38 $0.39 $0.55 $0.75 $0.38 $0.36
Shares 4,026 4,127 4,493 9,725 16,707 17,237 17,257 37,769
15% Compound Annual Growth
Note: 1999 EPS uses recurring income, without one-time charges
<PAGE>
DEVELOPING NON-INTEREST INCOME
Non-Interest Income to Net Interest Income
(as reported, before pooling restatements)
1994 1995 1996 1997 1998 1999 Jun-00
Gold Banc 12.8% 22.8% 25.3% 16.0% 24.4% 43.6% 34.4%
Peer 19.1% 19.2% 18.6% 20.1% 22.6% 23.8% 25.2%
Peer group is all publicly traded commercial banks $1 billion to
$5 billion in assets
<PAGE>
ENHANCING RETURN ON ASSETS
(as reported, before pooling restatements)
Dec-1994 Dec-95 Dec-96 Dec-97 Dec-98 Dec-99 Jun-00
Gold Banc 0.62% 0.40% 0.61% 0.84% 0.93% 1.07% 1.06%
Peer 1.17% 1.14% 1.14% 1.14% 1.12% 1.13% 1.17%
Note: 1999 and 2000 ROA uses recurring income, without one-time
charges
<PAGE>
BUILDING RETURN ON EQUITY
(as reported, before pooling restatements)
Dec-1994 Dec-95 Dec-96 Dec-97 Dec-98 Dec-99 Jun-00
Gold Banc 14.72% 8.27% 11.19% 9.26% 11.59% 14.63% 16.11%
Peer 12.87% 12.53% 12.80% 12.98% 12.67% 13.75% 14.95%
Note: 1999 and 2000 ROE uses recurring income, without one-time
charges
<PAGE>
BUILDING OUR CORE DEPOSIT BASE
(as reported, before pooling restatements in millions)
Dec-94 Dec-95 Dec-96 Dec-97 Dec-98 Dec-99 Jun-00**
$186 $226 $256 $419 $927 $1,087 $2,013
54% Compound Annual Growth
** Time accounts > $100,000 $291
Time accounts < $100,000 $860
Savings and NOW accounts $607
Non-interest-bearing $255
<PAGE>
CULTIVATING LENDING RELATIONSHIPS
(as reported, before pooling restatements in millions)
Dec-94 Dec-95 Dec-96 Dec-97 Dec-98 Dec-99 Jun-00**
$136 $164 $203 $346 $734 $946 $1,913
62% Compound Annual Growth
** Consumer & Other $155 8%
Agricultural $177 9%
Commercial $651 34%
Real Estate $930 49%
<PAGE>
STRONG INTERNAL GROWTH
Loans and Deposits
INTERNAL LOAN
GENERATION 1996 1997 1998 1999 YTD 6/00
Beginning total loans 202,630 346,165 734,116 946,250
New loans generated
internally 68,229 69,518 146,551 85,225
- Growth rate
(annualized
for 2000) 34% 20% 20% 18%
New loans through
acquisitions 75,306 318,433 65,582 881,357
Total loans, as
reported 202,630 346,165 734,116 946,250 1,912,832
INTERNAL DEPOSIT
GENERATION 1996 1997 1998 1999 YTD 6/00
Beginning total
deposits 255,656 419,139 926,687 1,086,537
New deposits
generated
internally 57,712 85,483 119,694 (10,836)
- Growth rate
(annualized for
2000) 23% 20% 13% -2%
New deposits
through
acquisitions 105,771 422,065 40,156 937,831
Total deposits, as
reported 255,656 419,139 926,687 1,086,537 2,013,532
Numbers are estimated based on loan and deposit totals by
subsidiary
<PAGE>
SAFEGUARDING ASSET QUALITY
Nonperforming Assets to Total Assets
(as reported, before pooling restatements)
1994 1995 1996 1997 1998 1999 Jun-00
Gold Banc 0.30% 0.72% 0.13% 0.31% 0.47% 0.39% 0.80%
Peer 0.49% 0.49% 0.44% 0.44% 0.37% 0.32% 0.33%
Peer Group is all publicly traded commercial banks $1 billion to
$5 billion in assets
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SAFEGUARDING ASSET QUALITY
Net Charge-Offs to Average Loans
(as reported, before pooling restatements)
1994 1995 1996 1997 1998 1999 Jun-00
Gold Banc 0.01% 0.41% 0.17% -0.01% 0.21% 0.24% 0.12%
Peer 0.18% 0.23% 0.23% 0.25% 0.20% 0.19% 0.16%
Peer Group is all publicly traded commercial banks $1 billion to
$5 billion in assets; 2000 figures are annualized
<PAGE>
PEER GROUP PRICE PERFORMANCE
(all publicly traded commercial banks
$1 billion to $5 billion in assets)
Gold Banc Peer Median
Assets 2,675,010 1,684,745
Deposits 2,013,532 1,312,056
Core ROA 1.06 1.17
Core ROE 16.11 14.95
Non-int income/ 34.4% 25.2%
Net interest income
Net charge-offs/loans 0.12% 0.16%
PRICING RATIOS:
Price / 1999 Earnings 6.93 12.40
Price / 2000 Earnings (est.) 7.02 10.76
Price / 2001 Earnings (est.) 5.96 9.67
Price / Book Value 113.6% 152.4%
All prices as of September 15, 2000; data as of June 30, 2000.
<PAGE>
JUNE 2000 HIGHLIGHTS
Summary of Financial Performance
* New deals earned $0.21 for the quarter (analyst consensus).
<TABLE>
<CAPTION>
(in thousands, FOR THE THREE MONTHS FOR THE THREE MONTHS
except per ENDED JUNE 30, 2000 ENDED JUNE 30, 1999 % chg
share data) EARNINGS AVG SHRS EPS EARNINGS AVG SHRS EPS EPS
<S> <C> <C> <C> <C> <C> <C> <C>
QUARTER-TO-
DATE
PERFORMANCE
Actual net
income,
restated for
poolings $6,403 37,625 $0.17 $5,740 37,519 $0.15 11.2%
Impact of
2000
acquisitions,
as restated,
on Gold
Banc's
financial ______________________
state- / /
ments<F1> / 4,272* 20,591* / 2,339 20,198
/_____________________/
Performance
of existing
franchise,
reported $2,131 17,034 $0.13 $3,401 17,321 $0.20 -35.0%
Impact of
purchase
accounting
acquisitions
in the last
twelve
months<F2> 130 517
Performance
of internal
franchise,
reported $2,001 16,517 $0.12 $3,401 17,321 $0.20 -40.0%
<FN>
<F1> Acquisitions are First Business Bancshares, CountryBanc
Holding Company and American Bancshares
<F2> Acquisitions is Linn County Bank
</FN>
</TABLE>
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JUNE 2000 HIGHLIGHTS
Summary of Financial Performance
- New acquisitions earned $4.3 million ($0.21 per share) for
quarter, versus $2.3 million for 2Q99.
- "Same store" operations earned $2.0 million versus $3.4
million for 2Q99.
- Kansas banking $524K above 2Q99;
- Citizens Bank of Tulsa $990K below 2Q99;
- Mortgage operation had loss of $217K for quarter;
- Other non-bank businesses $301K below 2Q99;
<PAGE>
JUNE 2000 HIGHLIGHTS
Franchise by Line of Business
GOLD BANC CORPORATION, INC.
FOR THE QUARTER ENDED JUNE 30, 2000
(Dollars in thousands)
<TABLE>
<CAPTION>
COMMUNITY BANKING
_____________________________ MORTGAGE FINANCIAL HOLDING
INCOME STATEMENT KANSAS OKLAHOMA FLORIDA BANKING SERVICES COMPANY ELIM TOTAL
(unaudited)
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Interest income $25,085 $16,990 $8,999 $1,048 $178 $160 $83 $52,543
Net interest
income 12,007 8,789 3,738 12 101 (1,345) 0 23,301
Other income 1,518 1,609 1,309 1,486 2,409 (6) (66) 8,259
Other expenses 6,888 5,688 2,386 1,715 2,358 1,339 (66) 20,307
Net income $4,109 $2,612 $1,563 ($217) $92 ($1,756) $0 $6,403
Estimated ROA 1.30% 1.25% 1.33% 0.98%
Estimated ROE 14.61% 14.38% 26.45% 15.38%
</TABLE>
<PAGE>
OUR FUTURE
Gold Banc in the New Millennium
<PAGE>
GOLD BANC CORPORATION
Organizational Structure
Gold Banc
Corp.
/
/
/
(Financial Holding Company)
/
/
___________________________________________________
/ / /
/ / /
Gold Gold Gold
Financial Community Technologies
Services Banking
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GOLD COMMUNITY BANKING
- Products and services:
- Commercial, personal and Internet banking, insurance.
- Customers have access to community banking:
- in person (financial service centers);
- by telephone (with personal service);
- on the Internet (www.goldbankonline.com).
- Local decision makers affecting relationships.
<PAGE>
GOLD FINANCIAL SERVICES
- Products and services:
- Retail brokerage, institutional sales, trust,
investment advisory, asset management.
- Customers have access to financial services:
- in person (financial service centers);
- by telephone (personal service);
- on the Internet (www.goldbankonline.com).
<PAGE>
GOLD FINANCIAL SERVICES
1999 Highlights
- TRUST SERVICES: $2.2M in gross revenue.
- ASSET MANAGEMENT: $3.6M in gross revenue.
- RETAIL BROKERAGE: $600K in gross revenue.
- INSURANCE: $4.6M in premiums written.
- Approximately $700 million in total assets under management
($400M discretionary).
<PAGE>
GOLD FINANCIAL SERVICES
Historical Top Line Revenue Growth
INSURANCE
(in thousands)
1997 1998 1999
$2,580 $4,010 $4,640
BROKERAGE
(in thousands)
1997 1998 1999
$2,072 $3,796 $4,228
TRUST
(in thousands)
1997 1998 1999
$1,929 $1,862 $2,129
Revenue figures are subsidiary-specific and include activity both
before and after being acquired by Gold.
<PAGE>
GOLD TECHNOLOGIES
Our E-Commerce Strategy
- We are partnering with major service providers to bring
cutting edge technology to Gold business customers, and have
multiple partnerships to provide a variety of e-commerce
solutions.
- We are delivering a "business services" package of products
that includes:
- Electronic settlement;
- Cash Management products and services;
- Internet banking;
- Network solutions provider;
- Web site development, hosting, consulting, which
includes Application Service Provider;
- We see opportunities for further affiliations, joint
ventures and potential acquisitions of service providers.
<PAGE>
GOLD TECHNOLOGIES
Annual Operating Revenue
Total Revenue
CompuNet Engineering
(in thousands)
1997 1998 1999
$2,276.2 $3,795.8 $3,804.7
<PAGE>
FORWARD LOOKING INFORMATION
The presentation may contain comments or information that
constitute forward-looking statements (within the meaning of the
Private Securities Litigation Reform Act of 1995), which involve
significant risks and uncertainties. Actual results may differ
materially from the results discussed in the forward-looking
statements or materials. Factors that might cause such a
difference include, but are not limited to: (1) expected cost
savings cannot be fully realized within the expected time frame;
(2) revenues are lower than expected; (3) competitive pressures
among depository institutions increase significantly; 94) cost or
difficulties related to the integration of organizations acquired
are greater than expected; (5) changes in the interest rate
environment reduce interest margins; (6) general economic
conditions, either nationally or in states in which the company
will be doing business are less favorable than expected; and (7)
legislation or regulatory changes adversely affect the business
in which the company would be engaged.
<PAGE>
