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Bank of Yutan

Yutan, NE · Cert 18795

FDIC

Q1 2006

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 2006, the quarter ended March 31, 2006, 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 Yutan

Yutan, NE · Cert 18795

FDIC

Q1 2006

$24.0MAssets
$16.8MLoans
$16.6MDeposits
$3.4MEquity
Deposit mix
83%Interest-bearing $13.8M17%Noninterest $2.8MQ1 2005Q1 2006

NIM

5.63%Q1 ’044.87%Q1 ’055.28%Q1 ’06-17%-5%

Non-interest income vs. expense

2.38%Q1 ’042.54%Q1 ’052.56%Q1 ’06+12%-5%

Executive Summary

  • Earnings: ROA of 0.92%, down 12 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.24%.
  • Funding: loans stand at 101.13% of deposits as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

0.92%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.20%-16 bps YoY

Efficiency Ratio (YTD, annualized)

64.44%+116 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets1.03%1.09%1.04%1.14%0.92%-12 bps
Return on Equity6.93%7.34%7.00%7.67%6.35%-58 bps
Net Interest Margin3.36%3.41%3.39%3.71%3.20%-16 bps
Efficiency Ratio63.27%60.77%62.43%61.52%64.44%+116 bps
Non-Interest Burden1.89%1.79%1.84%1.98%1.78%-10 bps
Growth
Asset Growth (YoY)10.02%12.01%12.30%9.29%4.99%-503 bps
Loan Growth (YoY)1.95%3.90%3.38%9.30%6.63%+469 bps
Deposit Growth (YoY)2.24%-1.41%8.95%-0.12%6.93%+468 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.38%-0.07%-0.05%0.04%0.24%+62 bps
Allowance / Loans1.73%1.61%1.60%1.47%1.43%-30 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 Capital11.34%11.57%11.28%11.30%11.00%-34 bps
Equity / Assets14.78%14.91%14.75%14.54%14.31%-47 bps
Liquidity & Funding
Loans / Deposits101.41%107.63%105.31%111.98%101.13%-28 bps
Liquid Assets / Assets2.19%1.63%1.61%1.53%0.49%-170 bps
CRE / Total Capitaln/an/an/an/an/an/an/a