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Letter portraitLegal landscapeQuarterYTD

Nebraska State Bank of Omaha

Omaha, NE · Cert 20927

FDIC

Q3 2007

$269.5MAssets
$250.8MLoans
$231.7MDeposits
$25.2MEquity
Loan mix
74%RE $164.8M24%C&I $52.7M2%Consumer $4.1MQ3 2006Q3 2007
Deposit mix
85%Interest-bearing $195.8M15%Noninterest $35.9MQ3 2006Q3 2007

NIM

6.98%Q3 ’057.78%Q3 ’067.80%Q3 ’07+4%+7%

Non-interest income vs. expense

2.92%Q3 ’053.24%Q3 ’063.94%Q3 ’07+11%+28%

Executive Summary

  • Earnings: ROA of 1.32%, down 34 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.29%.
  • Funding: loans stand at 108.25% of deposits as of Q3 2007.

Financial Results

Return on Assets (quarter, annualized)

1.32%-34 bps YoY

Net Interest Margin (quarter, annualized)

5.11%+33 bps YoY

Efficiency Ratio (quarter, annualized)

71.05%+977 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.66%1.57%1.63%1.57%1.32%-34 bps
Return on Equity19.85%18.43%18.49%17.32%14.38%-547 bps
Net Interest Margin4.78%4.58%4.81%4.34%5.11%+33 bps
Efficiency Ratio61.28%61.28%60.98%58.24%71.05%+977 bps
Non-Interest Burden2.73%2.57%2.72%2.33%3.50%+77 bps
Growth
Asset Growth (YoY)4.00%3.06%-3.40%-0.24%0.53%-346 bps
Loan Growth (YoY)12.83%8.93%10.73%5.55%1.86%-1,097 bps
Deposit Growth (YoY)2.73%4.51%-5.11%-3.60%-0.37%-310 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.22%1.09%0.25%0.02%0.29%+6 bps
Allowance / Loans1.17%1.02%1.09%1.16%1.19%+1 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 Capital10.33%10.61%10.84%10.81%11.23%+90 bps
Equity / Assets8.45%8.61%9.08%9.00%9.33%+88 bps
Liquidity & Funding
Loans / Deposits105.87%104.42%107.86%111.25%108.25%+238 bps
Liquid Assets / Assets0.02%0.06%0.04%0.06%0.08%+6 bps
CRE / Total Capitaln/an/an/an/an/an/an/a