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Pleasanton State Bank

Pleasanton, NE · Cert 20489

FDIC

Q3 2003

$18.9MAssets
$11.7MLoans
$16.6MDeposits
$2.0MEquity
Deposit mix
93%Interest-bearing $15.4M7%Noninterest $1.2MQ3 2002Q3 2003

NIM

7.21%Q3 ’016.38%Q3 ’025.15%Q3 ’03+6%-16%

Non-interest income vs. expense

2.57%Q3 ’013.17%Q3 ’022.99%Q3 ’03+43%-9%

Executive Summary

  • Earnings: ROA of 0.84%, down 24 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.65%.
  • Funding: loans stand at 70.71% of deposits as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

0.84%-24 bps YoY

Net Interest Margin (YTD, annualized)

3.19%-59 bps YoY

Efficiency Ratio (YTD, annualized)

74.87%+505 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets1.08%0.87%0.70%0.78%0.84%-24 bps
Return on Equity9.24%7.50%6.27%7.14%7.81%-143 bps
Net Interest Margin3.78%3.62%3.38%3.29%3.19%-59 bps
Efficiency Ratio69.81%76.84%79.31%77.66%74.87%+505 bps
Non-Interest Burden2.41%2.60%2.54%2.38%2.18%-23 bps
Growth
Asset Growth (YoY)2.47%8.57%6.51%22.20%16.77%+1,430 bps
Loan Growth (YoY)10.78%9.85%20.59%18.33%19.26%+848 bps
Deposit Growth (YoY)3.09%9.58%6.86%25.11%18.90%+1,581 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.68%0.52%1.53%0.74%0.65%-3 bps
Allowance / Loans3.27%3.38%2.77%2.60%2.25%-101 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 Capital16.71%16.43%15.76%15.08%14.61%-209 bps
Equity / Assets11.81%11.12%11.18%10.37%10.54%-127 bps
Liquidity & Funding
Loans / Deposits70.50%64.23%67.48%64.85%70.71%+21 bps
Liquid Assets / Assets2.45%2.33%2.29%2.09%0.52%-193 bps
CRE / Total Capitaln/an/an/an/an/an/an/a