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Nebraska National Bank

Kearney, NE · Cert 34028

FDIC

Q3 2011

$163.2MAssets
$95.4MLoans
$135.4MDeposits
$15.7MEquity
Loan mix
51%RE $26.3M39%C&I $20.0M10%Consumer $5.2MQ3 2010Q3 2011
Deposit mix
93%Interest-bearing $126.0M7%Noninterest $9.5MQ3 2010Q3 2011

NIM

5.50%Q3 ’095.29%Q3 ’104.87%Q3 ’11+16%+2%

Non-interest income vs. expense

1.87%Q3 ’091.95%Q3 ’101.93%Q3 ’11+14%+5%

Executive Summary

  • Earnings: ROA of 1.29%, up 23 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.48%.
  • Funding: loans stand at 70.45% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

1.29%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+7 bps YoY

Efficiency Ratio (YTD, annualized)

51.91%-22 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets1.07%1.12%1.40%1.50%1.29%+23 bps
Return on Equity12.64%13.19%15.33%16.25%13.82%+118 bps
Net Interest Margin3.31%3.32%3.44%3.38%3.38%+7 bps
Efficiency Ratio52.14%50.21%48.25%47.31%51.91%-22 bps
Non-Interest Burden1.52%1.43%1.43%1.40%1.59%+7 bps
Growth
Asset Growth (YoY)6.96%6.56%5.51%4.14%8.48%+152 bps
Loan Growth (YoY)10.75%7.61%-0.02%-2.84%0.55%-1,020 bps
Deposit Growth (YoY)6.79%6.48%2.56%4.65%8.79%+200 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%0.27%0.04%0.13%0.48%+52 bps
Allowance / Loans2.03%1.90%2.05%2.09%2.01%-2 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 Capital12.60%13.00%13.43%13.54%13.58%+98 bps
Equity / Assets9.06%8.93%9.32%9.44%9.65%+59 bps
Liquidity & Funding
Loans / Deposits76.22%73.05%69.36%70.24%70.45%-577 bps
Liquid Assets / Assets0.32%0.31%0.30%0.41%0.37%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a