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Lewiston State Bank of Idaho

Preston, ID · Cert 35588

FDIC

Q4 2006

$26.8MAssets
$6.9MLoans
$23.1MDeposits
$3.6MEquity
Loan mix
60%RE $1.8M40%C&I $1.2M0%Consumer $0.0MQ4 2005Q4 2006
Deposit mix
92%Interest-bearing $21.1M8%Noninterest $1.9MQ4 2005Q4 2006

NIM

5.01%Q4 ’045.03%Q4 ’055.42%Q4 ’06-10%-9%

Non-interest income vs. expense

1.58%Q4 ’041.77%Q4 ’052.02%Q4 ’06+49%-10%

Executive Summary

  • Earnings: ROA of 0.75%, down 3 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 29.88% of deposits as of Q4 2006.

Financial Results

Return on Assets (quarter, annualized)

0.75%-3 bps YoY

Net Interest Margin (quarter, annualized)

2.70%-27 bps YoY

Efficiency Ratio (quarter, annualized)

62.56%+517 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.78%1.19%1.33%0.71%0.75%-3 bps
Return on Equity4.95%8.11%9.44%5.05%5.46%+51 bps
Net Interest Margin2.96%3.08%2.99%3.07%2.70%-27 bps
Efficiency Ratio57.39%50.95%43.19%70.59%62.56%+517 bps
Non-Interest Burden1.65%1.30%0.97%2.00%1.49%-16 bps
Growth
Asset Growth (YoY)20.36%19.24%12.42%14.87%16.44%-392 bps
Loan Growth (YoY)2.08%-10.98%-19.13%-11.64%-14.07%-1,615 bps
Deposit Growth (YoY)25.00%23.31%15.52%17.52%18.57%-643 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.41%0.00%0.10%-0.06%-6 bps
Allowance / Loans1.36%1.32%1.37%1.40%1.61%+25 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 Capital34.01%33.07%33.79%33.34%34.94%+92 bps
Equity / Assets15.39%14.01%14.06%13.91%13.47%-192 bps
Liquidity & Funding
Loans / Deposits41.23%37.27%37.24%35.09%29.88%-1,135 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a