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Fort Calhoun State Bank

Fort Calhoun, NE · Cert 21371

FDIC

Q2 2001

$27.7MAssets
$19.7MLoans
$20.6MDeposits
$4.2MEquity
Loan mix
89%RE $10.3M11%C&I $1.3M0%Consumer $0.0MQ2 2000Q2 2001
Deposit mix
87%Interest-bearing $17.9M13%Noninterest $2.7MQ2 2000Q2 2001

NIM

6.46%Q1 ’016.81%Q2 ’01+21%

Non-interest income vs. expense

4.90%Q1 ’015.54%Q2 ’01-6%

Executive Summary

  • Earnings: ROA of 1.55%, up 130 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 95.43% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

1.55%+130 bps YoY

Net Interest Margin (YTD, annualized)

3.57%

Efficiency Ratio (YTD, annualized)

79.00%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.24%0.57%0.73%1.78%11.55%+130 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.96%3.57%n/a
Efficiency Ration/an/an/a86.96%79.00%n/a
Non-Interest Burdenn/an/an/a2.22%2.10%n/a
Growth
Asset Growth (YoY)18.70%22.49%21.85%14.52%5.33%-1,338 bps
Loan Growth (YoY)11.48%19.05%19.59%41.85%33.41%+2,194 bps
Deposit Growth (YoY)6.55%10.89%11.91%14.46%4.21%-234 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.09%n/a
Allowance / Loansn/an/an/a1.89%1.74%n/a
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 Capitaln/an/an/a11.57%11.28%n/a
Equity / Assetsn/an/an/a14.56%15.09%n/a
Liquidity & Funding
Loans / Deposits74.54%75.15%80.15%84.82%95.43%+2,089 bps
Liquid Assets / Assets0.00%0.00%0.00%0.19%0.11%+11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a