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Deuel County State Bank

Chappell, NE · Cert 14638

FDIC

Q3 2003

$30.7MAssets
$22.8MLoans
$28.9MDeposits
$455KEquity
Deposit mix
91%Interest-bearing $26.2M9%Noninterest $2.7MQ3 2002Q3 2003

NIM

6.98%Q3 ’016.32%Q3 ’025.91%Q3 ’03+48%-1%

Non-interest income vs. expense

1.73%Q3 ’011.94%Q3 ’023.34%Q3 ’03+14%+81%

Executive Summary

  • Earnings: ROA of 2.73%, up 196 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 20.58%.
  • Funding: loans stand at 78.98% of deposits as of Q3 2003.

Financial Results

Return on Assets (quarter, annualized)

2.73%+196 bps YoY

Net Interest Margin (quarter, annualized)

3.61%-3 bps YoY

Efficiency Ratio (quarter, annualized)

86.79%+3,665 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.78%-3.94%1.32%-27.95%2.73%+196 bps
Return on Equity9.58%-50.98%17.86%-658%245%+23,572 bps
Net Interest Margin3.64%3.18%3.21%2.75%3.61%-3 bps
Efficiency Ratio50.14%208%55.45%73.26%86.79%+3,665 bps
Non-Interest Burden1.71%6.94%1.68%1.95%3.10%+139 bps
Growth
Asset Growth (YoY)-0.97%-5.29%2.61%-6.61%-15.94%-1,497 bps
Loan Growth (YoY)11.31%2.04%1.04%-2.85%-17.58%-2,889 bps
Deposit Growth (YoY)-1.17%-5.11%3.50%0.87%-10.15%-898 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.27%-0.29%0.78%0.99%20.58%+1,931 bps
Allowance / Loans0.80%1.99%1.89%10.82%7.13%+633 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 Capital10.76%10.05%10.71%1.74%3.20%-757 bps
Equity / Assets8.14%7.30%7.51%0.79%1.48%-666 bps
Liquidity & Funding
Loans / Deposits86.11%87.05%84.82%84.64%78.98%-712 bps
Liquid Assets / Assets0.61%0.14%0.08%0.16%0.76%+15 bps
CRE / Total Capitaln/an/an/an/an/an/an/a