World's Foremost Bank, National Association

Sidney, NE · Cert 57079

FDIC · 1 branch

Q2 2017

$5.7BAssets

$5.6BLoans

$1.1BDeposits

$652.9MEquity

Deposit mix

NIM

Earnings: ROA of 2.90%, up 27 bps year over year; NIM at 9.90%.
Asset quality: problem loans at 0.43% of loans (+43 bps YoY), with net charge-offs at 2.66%.

Return on Assets (YTD, annualized)

2.90%+27 bps YoY

Net Interest Margin (YTD, annualized)

9.90%+88 bps YoY

Efficiency Ratio (YTD, annualized)

57.43%-498 bps YoY

Tier 1 Leverage Ratio

11.41%+85 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2016	Q3 2016	Q4 2016	Q1 2017	Q2 2017	YoY Δ	Trend
Earnings
Return on Assets	2.63%	2.46%	2.31%	3.05%	2.90%	+27 bps
Return on Equity	25.99%	24.16%	22.57%	28.24%	26.29%	+31 bps
Net Interest Margin	9.01%	8.69%	9.01%	9.52%	9.90%	+88 bps
Efficiency Ratio	62.41%	62.17%	62.25%	57.31%	57.43%	-498 bps
Non-Interest Burden	2.79%	2.70%	2.85%	2.67%	2.68%	-10 bps
Growth
Asset Growth (YoY)	21.99%	19.46%	9.58%	10.02%	0.44%	-2,156 bps
Loan Growth (YoY)	15.76%	14.03%	11.54%	9.62%	7.85%	-791 bps
Deposit Growth (YoY)	44.31%	32.29%	32.49%	41.28%	-8.06%	-5,237 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.50%	0.43%	+43 bps
Net Charge-Offs / Loans	1.82%	1.81%	1.83%	2.79%	2.66%	+83 bps
Allowance / Loans	1.62%	1.92%	2.06%	2.09%	2.16%	+54 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	4.2x	5.0x	n/a
Capital
Tier 1 Leverage Ratio	10.56%	10.38%	10.97%	10.55%	11.41%	+85 bps
Total Risk-Based Capital	11.81%	12.12%	11.91%	12.56%	12.84%	+103 bps
Equity / Assets	9.95%	10.34%	10.52%	11.10%	11.50%	+155 bps
Liquidity & Funding
Loans / Deposits	429%	449%	487%	433%	503%	+7,427 bps
Liquid Assets / Assets	7.15%	6.14%	0.88%	0.90%	0.96%	-619 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a