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Lisco State Bank

Lisco, NE · Cert 11479

FDIC

Q3 2013

$17.8MAssets
$12.2MLoans
$11.8MDeposits
$2.6MEquity
Loan mix
84%RE $5.9M15%C&I $1.0M1%Consumer $0.1MQ3 2012Q3 2013
Deposit mix
82%Interest-bearing $9.6M18%Noninterest $2.2MQ3 2012Q3 2013

NIM

4.76%Q3 ’113.91%Q3 ’123.63%Q3 ’13-13%-4%

Non-interest income vs. expense

2.16%Q3 ’111.85%Q3 ’121.99%Q3 ’13-14%+8%

Executive Summary

  • Earnings: ROA of 1.23%, down 43 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.11%.
  • Funding: loans stand at 103.38% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

1.23%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-12 bps YoY

Efficiency Ratio (YTD, annualized)

61.63%+619 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets1.66%1.54%1.09%1.12%1.23%-43 bps
Return on Equity11.74%11.13%7.87%8.01%8.62%-311 bps
Net Interest Margin3.17%3.03%2.81%2.95%3.05%-12 bps
Efficiency Ratio55.44%57.39%63.12%63.03%61.63%+619 bps
Non-Interest Burden1.68%1.67%1.71%1.79%1.81%+13 bps
Growth
Asset Growth (YoY)14.04%12.40%5.78%-3.79%-2.84%-1,688 bps
Loan Growth (YoY)-1.22%-6.21%-5.41%-6.11%1.02%+224 bps
Deposit Growth (YoY)25.62%21.58%11.08%-3.78%-12.15%-3,776 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%-0.11%-11 bps
Allowance / Loans2.03%2.16%2.61%2.13%2.08%+5 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 Capital20.31%20.60%25.08%21.19%20.88%+56 bps
Equity / Assets14.47%12.89%15.08%14.25%14.85%+37 bps
Liquidity & Funding
Loans / Deposits89.90%72.09%68.12%90.12%103.38%+1,347 bps
Liquid Assets / Assets16.25%14.25%21.58%23.76%19.05%+280 bps
CRE / Total Capitaln/an/an/an/an/an/an/a