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Richardson County Bank & Trust Co.

Falls City, NE · Cert 8598

FDIC · 2 branches

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Richardson County Bank & Trust Co.

Falls City, NE · Cert 8598

FDIC · 2 branches

Q3 2015

$138.2MAssets
$98.6MLoans
$105.6MDeposits
$15.8MEquity
Loan mix
72%RE $54.0M16%C&I $12.2M12%Consumer $9.0MQ3 2014Q3 2015
Deposit mix
80%Interest-bearing $84.7M20%Noninterest $20.8MQ3 2014Q3 2015

NIM

4.05%Q3 ’134.07%Q3 ’144.08%Q3 ’15+1%+5%

Non-interest income vs. expense

1.53%Q3 ’131.56%Q3 ’141.56%Q3 ’15+6%0%

Executive Summary

  • Earnings: ROA of 1.92%, up 26 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Capital: tier 1 leverage ratio of 7.54%.
  • Funding: loans stand at 93.38% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

1.92%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+18 bps YoY

Efficiency Ratio (YTD, annualized)

41.54%-33 bps YoY

Tier 1 Leverage Ratio

7.54%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.66%1.72%1.70%1.85%1.92%+26 bps
Return on Equity14.35%14.89%14.60%16.02%16.68%+233 bps
Net Interest Margin3.49%3.43%3.54%3.64%3.66%+18 bps
Efficiency Ratio41.87%41.50%45.35%42.55%41.54%-33 bps
Non-Interest Burden1.36%1.33%1.44%1.38%1.36%-1 bps
Growth
Asset Growth (YoY)9.44%13.69%2.86%5.50%3.70%-574 bps
Loan Growth (YoY)4.14%7.88%9.92%14.16%10.69%+656 bps
Deposit Growth (YoY)2.96%1.34%-2.04%3.19%0.75%-220 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.16%0.22%0.40%0.27%+13 bps
Allowance / Loans1.34%1.32%1.38%1.21%1.26%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a7.65%7.58%7.54%n/a
Total Risk-Based Capital12.03%11.65%11.62%11.03%11.10%-93 bps
Equity / Assets11.45%11.34%11.94%11.46%11.45%-1 bps
Liquidity & Funding
Loans / Deposits85.00%89.87%82.87%88.32%93.38%+838 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