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Letter portraitLegal landscapeQuarterYTD

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 $0.0MQ1 2005Q4 2006
Deposit mix
92%Interest-bearing $21.1M8%Noninterest $1.9MQ1 2005Q4 2006

Executive Summary

  • Earnings: ROA of 0.98%, down 21 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 29.88% of deposits as of Q4 2006.

Return on Assets (YTD, annualized)

0.98%-21 bps YoY

Net Interest Margin (YTD, annualized)

2.75%-15 bps YoY

Efficiency Ratio (YTD, annualized)

56.96%+868 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.14%Q4 ’044.74%Q4 ’055.03%Q4 ’06+14%-5%

Non-interest income vs. expense

1.54%Q4 ’041.60%Q4 ’051.87%Q4 ’06+7%+13%

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.31%1.29%1.35%1.20%1.19%1.27%1.07%0.98%-21 bps
Return on Equity7.55%7.63%8.11%7.32%8.11%8.76%7.48%6.96%-35 bps
Net Interest Margin3.21%2.94%3.04%2.90%3.08%2.98%2.99%2.75%-15 bps
Efficiency Ratio47.83%46.90%45.52%48.28%50.95%47.04%55.12%56.96%+868 bps
Non-Interest Burden1.26%1.13%1.09%1.19%1.30%1.11%1.40%1.34%+16 bps
Growth
Asset Growth (YoY)20.27%21.26%9.05%20.36%19.24%12.42%14.87%16.44%-392 bps
Loan Growth (YoY)1.40%15.46%3.05%2.08%-10.98%-19.13%-11.64%-14.07%-1,615 bps
Deposit Growth (YoY)24.76%24.58%10.36%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.41%0.21%0.17%0.13%+13 bps
Allowance / Loans1.13%1.08%1.22%1.36%1.32%1.37%1.40%1.61%+25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital34.67%31.96%32.45%34.01%33.07%33.79%33.34%34.94%+92 bps
Equity / Assets16.66%16.22%15.97%15.39%14.01%14.06%13.91%13.47%-192 bps
Liquidity & Funding
Loans / Deposits51.62%53.19%46.67%41.23%37.27%37.24%35.09%29.88%-1,135 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a