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Home State Bank

Louisville, NE · Cert 10650

FDIC · 1 branch

Q4 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Home State Bank

Louisville, NE · Cert 10650

FDIC · 1 branch

Q4 2014

$81.8MAssets
$63.9MLoans
$64.4MDeposits
$10.2MEquity
Loan mix
77%RE $42.3M19%C&I $10.3M5%Consumer $2.5MQ4 2013Q4 2014
Deposit mix
70%Interest-bearing $44.9M30%Noninterest $19.5MQ4 2013Q4 2014

NIM

5.06%Q4 ’124.52%Q4 ’133.84%Q4 ’14-7%-14%

Non-interest income vs. expense

2.41%Q4 ’122.51%Q4 ’132.10%Q4 ’14+3%-16%

Market Position · Omaha-Council Bluffs, NE-IA · 2014 SOD (annual) · 0.2% share · #36 of 75 inst. · $0.1B of $28.1B

Executive Summary

  • Earnings: ROA of 1.76%, up 23 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 99.31% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

1.76%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.25%-54 bps YoY

Efficiency Ratio (YTD, annualized)

60.53%-139 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets1.53%1.35%1.97%1.78%1.76%+23 bps
Return on Equity12.43%10.83%15.91%14.44%14.20%+176 bps
Net Interest Margin3.79%3.36%3.17%3.18%3.25%-54 bps
Efficiency Ratio61.92%61.76%64.24%62.43%60.53%-139 bps
Non-Interest Burden2.24%2.00%1.97%1.91%1.88%-36 bps
Growth
Asset Growth (YoY)-4.90%0.63%8.36%6.04%6.57%+1,147 bps
Loan Growth (YoY)-5.15%1.00%-2.15%3.19%7.07%+1,222 bps
Deposit Growth (YoY)1.59%4.85%9.74%6.70%7.76%+617 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%-0.01%-0.01%-1 bps
Allowance / Loans1.78%1.87%1.35%1.26%1.19%-59 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.27%16.51%16.60%16.11%15.73%-55 bps
Equity / Assets12.74%12.17%12.22%12.33%12.51%-22 bps
Liquidity & Funding
Loans / Deposits99.95%89.85%86.96%94.02%99.31%-64 bps
Liquid Assets / Assets3.75%4.00%3.68%3.55%2.59%-115 bps
CRE / Total Capitaln/an/an/an/an/an/an/a