Fort Calhoun State Bank

Fort Calhoun, NE · Cert 21371

FDIC

Q2 2001

$27.7MAssets

$19.7MLoans

$20.6MDeposits

$4.2MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	1.10%	0.93%	0.17%	0.24%	0.57%	0.73%	1.78%¹	1.55%	+130 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	2.96%	3.57%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	86.96%	79.00%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	2.22%	2.10%	n/a
Growth
Asset Growth (YoY)	5.56%	14.60%	21.79%	18.70%	22.49%	21.85%	14.52%	5.33%	-1,338 bps
Loan Growth (YoY)	-0.12%	-0.12%	-4.04%	11.48%	19.05%	19.59%	41.85%	33.41%	+2,194 bps
Deposit Growth (YoY)	11.84%	11.41%	14.47%	6.55%	10.89%	11.91%	14.46%	4.21%	-234 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	0.00%	0.09%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	1.89%	1.74%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	11.57%	11.28%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	14.56%	15.09%	n/a
Liquidity & Funding
Loans / Deposits	70.00%	75.00%	68.44%	74.54%	75.15%	80.15%	84.82%	95.43%	+2,089 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.19%	0.11%	+11 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a