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City State Bank

Sutton, NE · Cert 14479

FDIC

Q3 2005

$64.6MAssets
$43.5MLoans
$49.3MDeposits
$8.3MEquity
Loan mix
33%RE $6.2M67%C&I $12.7M0%Consumer $0.0MQ3 2004Q3 2005
Deposit mix
86%Interest-bearing $42.5M14%Noninterest $6.7MQ3 2004Q3 2005

NIM

6.22%Q3 ’035.73%Q3 ’046.03%Q3 ’05-6%-5%

Non-interest income vs. expense

2.48%Q3 ’032.95%Q3 ’043.08%Q3 ’05+13%+4%

Executive Summary

  • Earnings: ROA of 1.11%, down 19 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 88.24% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

1.11%-19 bps YoY

Net Interest Margin (quarter, annualized)

4.14%-21 bps YoY

Efficiency Ratio (quarter, annualized)

62.97%+125 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.31%0.95%1.07%1.01%1.11%-19 bps
Return on Equity10.39%7.46%8.37%7.79%8.54%-185 bps
Net Interest Margin4.35%4.30%4.20%4.03%4.14%-21 bps
Efficiency Ratio61.73%62.74%63.87%64.47%62.97%+125 bps
Non-Interest Burden2.52%2.99%2.71%2.64%2.61%+9 bps
Growth
Asset Growth (YoY)60.44%63.70%61.49%-0.96%-1.35%-6,179 bps
Loan Growth (YoY)60.20%63.03%75.46%-3.15%-3.64%-6,384 bps
Deposit Growth (YoY)71.31%78.17%82.83%-2.62%-2.54%-7,386 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.21%-0.05%-0.06%0.04%-18 bps
Allowance / Loans2.05%2.10%2.12%2.18%2.10%+4 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 Capital10.97%11.50%11.82%12.21%12.05%+108 bps
Equity / Assets12.63%12.90%12.75%13.21%12.90%+27 bps
Liquidity & Funding
Loans / Deposits89.24%82.11%84.18%83.01%88.24%-100 bps
Liquid Assets / Assets0.07%0.05%0.06%0.09%0.04%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a