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Letter portraitLegal landscapeQuarterYTD

Peoples-Webster County Bank

Red Cloud, NE · Cert 14326

FDIC

Q3 2013

$72.1MAssets
$39.6MLoans
$53.9MDeposits
$17.8MEquity
Loan mix
79%RE $21.0M18%C&I $4.7M3%Consumer $0.8MQ3 2012Q3 2013
Deposit mix
76%Interest-bearing $41.2M24%Noninterest $12.7MQ3 2012Q3 2013

NIM

4.50%Q3 ’113.99%Q3 ’123.75%Q3 ’13-9%-5%

Non-interest income vs. expense

2.00%Q3 ’111.87%Q3 ’121.66%Q3 ’13-4%-20%

Executive Summary

  • Earnings: ROA of 1.06%, down 43 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 73.58% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

1.06%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.48%-18 bps YoY

Efficiency Ratio (YTD, annualized)

42.21%-430 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 Assets1.49%1.50%1.45%1.41%1.06%-43 bps
Return on Equity5.55%5.70%5.93%5.77%4.32%-123 bps
Net Interest Margin3.66%3.68%3.42%3.34%3.48%-18 bps
Efficiency Ratio46.51%47.59%44.91%45.61%42.21%-430 bps
Non-Interest Burden1.51%1.58%1.36%1.37%1.20%-31 bps
Growth
Asset Growth (YoY)13.55%8.31%5.49%-0.11%-0.11%-1,367 bps
Loan Growth (YoY)12.07%8.08%7.31%-1.05%-5.71%-1,777 bps
Deposit Growth (YoY)14.93%12.44%8.42%7.79%6.39%-854 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.11%-0.12%-0.01%-0.01%0.00%+11 bps
Allowance / Loans1.27%1.30%1.36%1.38%1.38%+11 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 Capital32.97%30.80%32.05%31.11%34.20%+122 bps
Equity / Assets27.09%24.74%24.24%24.16%24.69%-240 bps
Liquidity & Funding
Loans / Deposits83.03%76.43%70.82%72.58%73.58%-944 bps
Liquid Assets / Assets5.47%5.36%13.01%10.79%14.91%+945 bps
CRE / Total Capitaln/an/an/an/an/an/an/a