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Letter portraitLegal landscapeQuarterYTD

Nebraska Bankers' Bank, National Association

Lincoln, NE · Cert 57331

FDIC

Q3 2011

$33.8MAssets
$19.4MLoans
$29.6MDeposits
$3.2MEquity
Loan mix
97%RE $8.0M3%C&I $0.2M0%Consumer $0.0MQ3 2010Q3 2011
Deposit mix
6%Interest-bearing $1.8M94%Noninterest $27.8MQ3 2010Q3 2011

NIM

3.31%Q3 ’093.68%Q3 ’103.23%Q3 ’11+9%-12%

Non-interest income vs. expense

6.29%Q3 ’097.73%Q3 ’106.62%Q3 ’11+41%-4%

Executive Summary

  • Earnings: ROA of 0.04%, down 53 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 65.51% of deposits as of Q3 2011.

Financial Results

Return on Assets (quarter, annualized)

0.04%-53 bps YoY

Net Interest Margin (quarter, annualized)

3.20%-42 bps YoY

Efficiency Ratio (quarter, annualized)

92.44%+218 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.57%-0.49%-0.98%0.07%0.04%-53 bps
Return on Equity4.37%-4.62%-9.40%0.63%0.37%-400 bps
Net Interest Margin3.62%3.81%3.77%3.26%3.20%-42 bps
Efficiency Ratio90.26%84.08%83.03%94.59%92.44%+218 bps
Non-Interest Burden2.78%2.44%2.38%2.86%2.66%-12 bps
Growth
Asset Growth (YoY)-5.44%43.64%26.68%23.48%32.63%+3,806 bps
Loan Growth (YoY)-9.27%-5.76%7.39%2.08%2.64%+1,192 bps
Deposit Growth (YoY)-21.74%-42.04%-25.58%69.31%192.97%+21,471 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%6.61%9.96%-0.15%-0.06%-6 bps
Allowance / Loans4.47%3.82%2.41%2.59%2.66%-181 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 Capital17.51%16.11%16.81%16.43%15.25%-225 bps
Equity / Assets12.97%8.85%12.85%10.41%9.47%-350 bps
Liquidity & Funding
Loans / Deposits186.97%244%203%66.46%65.51%-12,147 bps
Liquid Assets / Assets1.26%0.66%0.86%0.99%1.45%+19 bps
CRE / Total Capitaln/an/an/an/an/an/an/a