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Bank of St. Edward

Saint Edward, NE · Cert 15294

FDIC

Q4 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: Q4 2007, the quarter ended December 31, 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

Bank of St. Edward

Saint Edward, NE · Cert 15294

FDIC

Q4 2007

$39.1MAssets
$22.5MLoans
$22.2MDeposits
$10.1MEquity
Deposit mix
79%Interest-bearing $17.6M21%Noninterest $4.7MQ4 2006Q4 2007

NIM

6.00%Q4 ’055.84%Q4 ’066.25%Q4 ’07-18%+6%

Non-interest income vs. expense

1.64%Q4 ’051.23%Q4 ’061.19%Q4 ’07-50%-100%

Executive Summary

  • Earnings: ROA of 9.44%, up 741 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 7.20%.
  • Funding: loans stand at 101.10% of deposits as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

9.44%+741 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+22 bps YoY

Efficiency Ratio (YTD, annualized)

24.55%-515 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets2.03%20.27%14.06%10.52%9.44%+741 bps
Return on Equity9.80%95.27%63.45%46.39%40.47%+3,067 bps
Net Interest Margin3.44%3.56%3.63%3.65%3.65%+22 bps
Efficiency Ratio29.70%13.48%13.78%15.61%24.55%-515 bps
Non-Interest Burden0.53%-1.92%-0.91%-0.57%0.00%-53 bps
Growth
Asset Growth (YoY)6.43%8.46%2.68%1.85%1.97%-446 bps
Loan Growth (YoY)20.80%3.90%-2.94%-4.31%1.90%-1,890 bps
Deposit Growth (YoY)4.27%4.41%-1.00%1.85%-6.81%-1,108 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.27%-28.29%-14.54%-9.35%-7.20%-1,048 bps
Allowance / Loans2.53%2.85%3.13%3.06%1.45%-108 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 Capital27.72%35.77%36.05%36.69%38.58%+1,086 bps
Equity / Assets19.21%23.24%23.94%24.26%25.95%+675 bps
Liquidity & Funding
Loans / Deposits92.46%89.14%94.48%97.63%101.10%+864 bps
Liquid Assets / Assets14.18%12.47%11.96%13.25%8.71%-547 bps
CRE / Total Capitaln/an/an/an/an/an/an/a