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Omaha State Bank

Omaha, NE · Cert 20628

FDIC

Q2 2013

$279.9MAssets
$228.2MLoans
$234.4MDeposits
$27.0MEquity
Loan mix
73%RE $128.0M26%C&I $45.7M1%Consumer $1.5MQ2 2012Q2 2013
Deposit mix
86%Interest-bearing $202.1M14%Noninterest $32.3MQ2 2012Q2 2013

NIM

5.60%Q2 ’115.27%Q2 ’124.23%Q2 ’13-7%-24%

Non-interest income vs. expense

4.14%Q2 ’114.09%Q2 ’124.40%Q2 ’13-8%+11%

Executive Summary

  • Earnings: ROA of 0.16%, down 144 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.11%.
  • Funding: loans stand at 97.35% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

0.16%1-144 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-116 bps YoY

Efficiency Ratio (YTD, annualized)

84.22%+2,005 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets1.60%1.52%0.86%-0.30%0.16%1-144 bps
Return on Equity17.50%16.15%9.00%-3.01%1.61%-1,590 bps
Net Interest Margin4.90%5.09%4.86%3.82%3.74%-116 bps
Efficiency Ratio64.18%66.03%71.42%89.89%84.22%+2,005 bps
Non-Interest Burden2.62%2.83%3.03%3.29%2.91%+30 bps
Growth
Asset Growth (YoY)-3.01%-9.56%-6.94%-6.32%2.00%+502 bps
Loan Growth (YoY)-0.48%-13.34%-14.15%-18.30%-11.60%-1,112 bps
Deposit Growth (YoY)-11.86%-12.02%-11.05%-5.87%5.18%+1,704 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.13%1.71%-0.01%1.11%+96 bps
Allowance / Loans2.20%2.31%1.55%2.21%1.71%-49 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 Capital12.14%13.21%13.23%13.71%13.75%+160 bps
Equity / Assets9.94%10.30%10.06%9.68%9.65%-29 bps
Liquidity & Funding
Loans / Deposits115.83%108.44%104.00%98.25%97.35%-1,848 bps
Liquid Assets / Assets0.47%0.45%0.30%13.97%13.75%+1,328 bps
CRE / Total Capitaln/an/an/an/an/an/an/a