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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

4.98%Q3 ’114.12%Q3 ’123.94%Q3 ’13-15%-1%

Non-interest income vs. expense

2.15%Q3 ’111.85%Q3 ’122.06%Q3 ’13-12%+11%

Executive Summary

  • Earnings: ROA of 1.45%, down 23 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.33%.
  • Funding: loans stand at 103.38% of deposits as of Q3 2013.

Financial Results

Return on Assets (quarter, annualized)

1.45%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.31%-3 bps YoY

Efficiency Ratio (quarter, annualized)

59.12%+611 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets1.68%1.26%1.09%1.19%1.45%-23 bps
Return on Equity11.96%9.25%7.87%8.08%9.95%-201 bps
Net Interest Margin3.34%3.12%2.81%2.97%3.31%-3 bps
Efficiency Ratio53.01%63.03%63.12%62.94%59.12%+611 bps
Non-Interest Burden1.70%1.91%1.71%1.79%1.88%+18 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%0.04%0.00%0.00%-0.33%-33 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