PackageTrendsPeer
Letter portraitLegal landscape

Saline State Bank

Wilber, NE · Cert 14516

FDIC

Q2 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Saline State Bank

Wilber, NE · Cert 14516

FDIC

Q2 2007

$103.2MAssets
$82.9MLoans
$77.3MDeposits
$12.0MEquity
Loan mix
64%RE $31.9M36%C&I $18.1M0%Consumer $0.0MQ2 2006Q2 2007
Deposit mix
92%Interest-bearing $71.2M8%Noninterest $6.1MQ2 2006Q2 2007

NIM

5.57%Q2 ’056.11%Q2 ’066.51%Q2 ’07-2%-4%

Non-interest income vs. expense

2.19%Q2 ’052.30%Q2 ’062.33%Q2 ’07+7%-4%

Executive Summary

  • Earnings: ROA of 1.36%, up 38 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 107.27% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

1.36%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-15 bps YoY

Efficiency Ratio (YTD, annualized)

60.34%+150 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.98%1.01%1.01%1.15%1.36%+38 bps
Return on Equity8.71%9.07%9.16%10.45%12.19%+348 bps
Net Interest Margin3.57%3.49%3.50%3.39%3.42%-15 bps
Efficiency Ratio58.84%57.48%57.31%63.73%60.34%+150 bps
Non-Interest Burden1.96%1.86%1.85%2.01%1.89%-7 bps
Growth
Asset Growth (YoY)5.53%6.47%6.87%7.98%4.38%-115 bps
Loan Growth (YoY)9.01%8.00%8.51%7.49%3.76%-525 bps
Deposit Growth (YoY)5.82%10.72%7.73%10.95%8.47%+265 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.13%0.09%0.07%0.02%0.03%-10 bps
Allowance / Loans0.96%0.97%1.02%1.06%1.08%+12 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 Capital10.34%10.09%10.45%11.01%11.75%+140 bps
Equity / Assets11.21%10.70%10.79%11.13%11.66%+45 bps
Liquidity & Funding
Loans / Deposits112.14%108.96%107.75%106.20%107.27%-487 bps
Liquid Assets / Assets1.49%1.41%0.97%0.97%0.95%-53 bps
CRE / Total Capitaln/an/an/an/an/an/an/a