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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

5.73%Q2 ’056.27%Q2 ’066.62%Q2 ’07-2%-5%

Non-interest income vs. expense

2.18%Q2 ’052.28%Q2 ’062.23%Q2 ’07+8%-9%

Executive Summary

  • Earnings: ROA of 1.58%, up 55 bps year over year; NIM at 3.45%.
  • 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 (quarter, annualized)

1.58%+55 bps YoY

Net Interest Margin (quarter, annualized)

3.45%-19 bps YoY

Efficiency Ratio (quarter, annualized)

57.04%-20 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.03%1.07%1.02%1.15%1.58%+55 bps
Return on Equity9.22%9.79%9.47%10.45%13.89%+467 bps
Net Interest Margin3.64%3.59%3.60%3.39%3.45%-19 bps
Efficiency Ratio57.25%54.91%56.82%63.73%57.04%-20 bps
Non-Interest Burden1.95%1.80%1.85%2.01%1.78%-17 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 / Loans0.09%0.04%0.01%0.02%0.03%-5 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