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Lusk State Bank

Lusk, WY · Cert 8724

FDIC · 1 branch

Q1 2023

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: Q1 2023, the quarter ended March 31, 2023, 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

Lusk State Bank

Lusk, WY · Cert 8724

FDIC · 1 branch

Q1 2023

$74.0MAssets
$41.4MLoans
$63.9MDeposits
$9.9MEquity
Loan mix
62%RE $11.7M30%C&I $5.7M8%Consumer $1.5MQ1 2022Q1 2023
Deposit mix
72%Interest-bearing $46.2M28%Noninterest $17.7MQ1 2022Q1 2023

NIM

2.95%Q1 ’212.52%Q1 ’224.75%Q1 ’23-14%+79%

Non-interest income vs. expense

2.30%Q1 ’212.19%Q1 ’222.76%Q1 ’23-4%+38%

Executive Summary

  • Earnings: ROA of 1.55%, up 84 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 1.24% of loans (-131 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.51%, down 24 bps from a year ago.
  • Funding: loans stand at 64.75% of deposits as of Q1 2023.

Financial Results

Return on Assets (YTD, annualized)

1.55%+84 bps YoY

Net Interest Margin (YTD, annualized)

4.36%+192 bps YoY

Efficiency Ratio (YTD, annualized)

50.46%-1,933 bps YoY

Tier 1 Leverage Ratio

11.51%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets0.72%0.45%0.82%1.22%1.55%+84 bps
Return on Equity6.33%3.67%6.54%9.60%11.57%+523 bps
Net Interest Margin2.44%0.68%1.66%2.39%4.36%+192 bps
Efficiency Ratio69.79%46.91%46.42%41.55%50.46%-1,933 bps
Non-Interest Burden1.49%0.26%0.64%0.80%2.05%+56 bps
Growth
Asset Growth (YoY)6.15%10.00%7.88%7.68%9.09%+294 bps
Loan Growth (YoY)-5.49%18.15%51.04%51.27%46.73%+5,222 bps
Deposit Growth (YoY)8.07%8.49%6.04%3.02%5.53%-254 bps
Asset Quality
Nonperforming Loans / Loans2.56%0.00%0.00%0.00%1.24%-131 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.76%0.02%0.06%0.11%0.76%-100 bps
Allowance Coverage of NPLs0.7xn/an/an/a0.6x-0.1x
Capital
Tier 1 Leverage Ratio11.75%10.88%11.01%11.26%11.51%-24 bps
Total Risk-Based Capital11.75%10.88%11.01%11.26%11.51%-24 bps
Equity / Assets10.57%13.78%13.73%13.41%13.42%+285 bps
Liquidity & Funding
Loans / Deposits46.57%61.74%73.20%66.40%64.75%+1,818 bps
Liquid Assets / Assets21.61%19.81%13.63%26.01%17.89%-372 bps
CRE / Total Capitaln/an/an/an/an/an/an/a