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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

5.64%Q3 ’095.35%Q3 ’104.89%Q3 ’11+10%+1%

Non-interest income vs. expense

1.95%Q3 ’091.96%Q3 ’102.28%Q3 ’11+13%+30%

Executive Summary

  • Earnings: ROA of 0.89%, down 49 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.19%.
  • Funding: loans stand at 70.45% of deposits as of Q3 2011.

Financial Results

Return on Assets (quarter, annualized)

0.89%-49 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+2 bps YoY

Efficiency Ratio (quarter, annualized)

61.06%+1,015 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets1.38%1.30%1.40%1.59%0.89%-49 bps
Return on Equity15.97%14.48%15.33%16.99%9.30%-666 bps
Net Interest Margin3.43%3.38%3.44%3.41%3.45%+2 bps
Efficiency Ratio50.91%44.81%48.25%46.35%61.06%+1,015 bps
Non-Interest Burden1.54%1.18%1.43%1.41%2.00%+46 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-0.03%1.18%0.04%0.22%1.19%+122 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