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

Deposit mix

NIM

Earnings: ROA of 2.07%, up 10 bps year over year; NIM at 3.82%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.

Return on Assets (quarter, annualized)

2.07%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.82%+26 bps YoY

Efficiency Ratio (quarter, annualized)

39.63%+4 bps YoY

Tier 1 Leverage Ratio

7.54%

Discrete quarter, annualized.

Metric	Q3 2014	Q4 2014	Q1 2015	Q2 2015	Q3 2015	YoY Δ	Trend
Earnings
Return on Assets	1.97%	1.88%	1.70%	2.03%	2.07%	+10 bps
Return on Equity	16.96%	16.50%	14.60%	17.39%	18.06%	+110 bps
Net Interest Margin	3.56%	3.47%	3.54%	3.82%	3.82%	+26 bps
Efficiency Ratio	39.59%	40.43%	45.35%	39.98%	39.63%	+4 bps
Non-Interest Burden	1.31%	1.32%	1.44%	1.35%	1.34%	+4 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.16%	0.23%	0.22%	0.60%	0.03%	-13 bps
Allowance / Loans	1.34%	1.32%	1.38%	1.21%	1.26%	-8 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	7.65%	7.58%	7.54%	n/a
Total Risk-Based Capital	12.03%	11.65%	11.62%	11.03%	11.10%	-93 bps
Equity / Assets	11.45%	11.34%	11.94%	11.46%	11.45%	-1 bps
Liquidity & Funding
Loans / Deposits	85.00%	89.87%	82.87%	88.32%	93.38%	+838 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a