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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

6.51%Q4 ’056.17%Q4 ’066.31%Q4 ’07-22%+7%

Non-interest income vs. expense

3.27%Q4 ’052.13%Q4 ’062.43%Q4 ’07-41%+21%

Executive Summary

  • Earnings: ROA of 6.17%, up 1,714 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.59%.
  • Funding: loans stand at 101.10% of deposits as of Q4 2007.

Financial Results

Return on Assets (quarter, annualized)

6.17%+1,714 bps YoY

Net Interest Margin (quarter, annualized)

3.75%+25 bps YoY

Efficiency Ratio (quarter, annualized)

54.14%+378 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets-10.97%20.27%7.69%3.53%6.17%+1,714 bps
Return on Equity-53.65%95.27%32.60%14.63%24.59%+7,824 bps
Net Interest Margin3.50%3.56%3.73%3.65%3.75%+25 bps
Efficiency Ratio50.36%13.48%14.22%20.00%54.14%+378 bps
Non-Interest Burden1.40%-1.92%0.08%0.12%1.69%+29 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 / Loans15.89%-28.29%-1.35%-0.27%-0.59%-1,648 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