First State Bank

Lodgepole, NE · Cert 14656

FDIC

Q1 1997

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: Q1 1997, the quarter ended March 31, 1997, on both parts.

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

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Lodgepole, NE · Cert 14656

FDIC

Q1 1997

$12.0MAssets

$2.5MLoans

$9.2MDeposits

n/aEquity

NIM decomposition not available for this institution

Non-interest trend not available for this institution

Return on Assets (YTD, annualized)

4.18%+485 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 1996	Q2 1996	Q3 1996	Q4 1996	Q1 1997	YoY Δ	Trend
Earnings
Return on Assets	-0.67%	0.10%	1.26%	0.90%	4.18%	+485 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	-4.31%	-4.84%	-4.14%	-4.00%	-4.05%	+26 bps
Loan Growth (YoY)	-8.15%	-7.88%	-7.79%	1.66%	-6.48%	+166 bps
Deposit Growth (YoY)	-5.87%	-4.99%	-4.55%	-6.23%	-6.67%	-80 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	27.13%	30.64%	32.04%	31.21%	27.18%	+5 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a