PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.0MQ4 2003Q3 2005
Deposit mix
86%Interest-bearing $42.5M14%Noninterest $6.7MQ4 2003Q3 2005

Executive Summary

  • Earnings: ROA of 1.06%, down 27 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 88.24% of deposits as of Q3 2005.

Return on Assets (YTD, annualized)

1.06%-27 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+52 bps YoY

Efficiency Ratio (YTD, annualized)

63.76%+219 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.04%Q3 ’034.77%Q3 ’045.79%Q3 ’05-17%+15%

Non-interest income vs. expense

2.49%Q3 ’032.40%Q3 ’043.04%Q3 ’05-6%+27%

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.44%1.41%1.31%1.34%1.24%1.07%1.04%1.06%-27 bps
Return on Equity9.57%7.86%8.43%9.16%8.74%8.37%8.06%8.23%-93 bps
Net Interest Margin4.33%4.24%3.27%3.58%3.78%4.20%4.12%4.10%+52 bps
Efficiency Ratio55.13%56.26%61.46%61.57%61.91%63.87%64.17%63.76%+219 bps
Non-Interest Burden2.27%2.28%1.91%2.08%2.32%2.71%2.68%2.64%+56 bps
Growth
Asset Growth (YoY)0.73%2.95%69.27%60.44%63.70%61.49%-0.96%-1.35%-6,179 bps
Loan Growth (YoY)-8.52%-7.92%61.44%60.20%63.03%75.46%-3.15%-3.64%-6,384 bps
Deposit Growth (YoY)-0.24%-4.54%85.26%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.17%-0.07%-0.04%0.04%0.09%-0.05%-0.05%-0.02%-7 bps
Allowance / Loans1.96%2.14%2.19%2.05%2.10%2.12%2.18%2.10%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital13.86%21.73%11.16%10.97%11.50%11.82%12.21%12.05%+108 bps
Equity / Assets15.35%20.53%12.51%12.63%12.90%12.75%13.21%12.90%+27 bps
Liquidity & Funding
Loans / Deposits89.74%87.72%83.46%89.24%82.11%84.18%83.01%88.24%-100 bps
Liquid Assets / Assets0.06%0.12%0.03%0.07%0.05%0.06%0.09%0.04%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a