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First State Bank

Enders, NE · Cert 8603

FDIC

Q2 2007

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: Q2 2007, the quarter ended June 30, 2007, 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

First State Bank

Enders, NE · Cert 8603

FDIC

Q2 2007

$30.2MAssets
$17.4MLoans
$27.3MDeposits
$2.7MEquity
Loan mix
63%RE $4.1M36%C&I $2.3M1%Consumer $0.0MQ2 2006Q2 2007
Deposit mix
89%Interest-bearing $24.4M11%Noninterest $2.9MQ2 2006Q2 2007

NIM

5.65%Q2 ’056.24%Q2 ’066.29%Q2 ’07-10%-9%

Non-interest income vs. expense

3.10%Q2 ’052.98%Q2 ’063.05%Q2 ’07-3%+2%

Executive Summary

  • Earnings: ROA of 0.62%, down 34 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 63.79% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.62%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.32%-31 bps YoY

Efficiency Ratio (YTD, annualized)

82.06%+764 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.97%1.03%0.99%0.90%0.62%-34 bps
Return on Equity11.16%11.64%11.29%10.18%7.02%-413 bps
Net Interest Margin3.63%3.61%3.60%3.41%3.32%-31 bps
Efficiency Ratio74.42%73.46%74.16%75.58%82.06%+764 bps
Non-Interest Burden2.61%2.54%2.57%2.46%2.65%+5 bps
Growth
Asset Growth (YoY)11.89%5.50%1.84%0.74%2.32%-957 bps
Loan Growth (YoY)9.65%5.89%-4.27%2.71%-0.74%-1,039 bps
Deposit Growth (YoY)9.42%10.57%7.75%0.22%5.52%-390 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.16%-0.11%-0.07%-0.02%-0.02%+14 bps
Allowance / Loans3.11%3.19%2.87%3.01%3.15%+3 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 Capital14.93%15.14%13.97%14.93%14.96%+3 bps
Equity / Assets8.71%9.29%8.62%9.09%8.97%+26 bps
Liquidity & Funding
Loans / Deposits67.82%65.87%69.52%64.31%63.79%-402 bps
Liquid Assets / Assets0.26%0.27%0.25%0.25%0.27%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a