Economic Commentary Highlights...

• Economic data and earnings may take a back seat to policy concerns this week.
• Real gross domestic product is poised to move past the pre-recession peak in the fourth quarter of 2010.
• The President’s State of the Union speech may reignite the budget debate.
• The Federal Reserve meeting this week could reveal more dissent on policy.

View the entire economic commentary. (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of January 24, 2011. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx

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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. www.mylsb.com

Market Commentary Highlights...

President Obama’s State of the Union address this week will likely be more probusiness in contrast to the anti-business tone of last year’s address.

During this week’s State of the Union address we will be listening for three key areas of emphasis that have the potential to be market moving: job creation, social security reform, and corporate tax cuts.

Read the entire Market Commentary. (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Market Commentary for the week of January 24, 2011. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. This commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx

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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com

With tax season upon us and New Years resolutions still fresh in our minds, it’s a good time to think about our IRA accounts. Here are some things that may be important for your 2010/2011 tax and retirement savings planning:

Max out your contributions! Traditional and Roth IRA contribution limits are the same for 2011 as they were for 2010:

• Those under age 50 can contribute up to $5,000 in 2011
• Those age 50 and over can contribute up to $6,000 in 2011

One of the provisions of the new tax bill is the extension of the Qualified Charitable Distributions. Here are some of the guidelines for Qualified Charitable Distributions:

• Distributions from Traditional IRAs
• Must be age 70 1/2
• Distributions up to $100,000 can be made tax free to a charitable donation:
• $100,000 for 2010
• $100,000 for 2011
• If done before February 1, 2011, it can be applied to the 2010 tax year.
• Checks must be written directly to the charity
• Required minimum distributions for 2011 can be sent to the charity

Contact your local IRA specialist for more information. LSB's Personal Financial Advisors can help with your retirement questions.

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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com

Economic Commentary Highlights...

• Amid a flurry of key reports on the economy, the December ISM and the December jobs report are likely to stand out.
• The debate over the Federal Reserve’s (Fed) role in the recovery could reignite this week.
• Although mixed, the economic data released over the final two weeks of 2010 suggest that the U.S. economy was accelerating as 2010 ended.

View the entire economic commentary. (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of January 3, 2011. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx

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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/

Market Commentary Highlights...

Until mid-December 2010, investors had been withdrawing money from U.S. stock mutual
funds while strongly favoring bonds with their investment dollars.

While one week of inflows does not necessarily reflect a new resolution by investors to buy stocks, the net selling of stocks and buying of bonds has been slowing over many weeks suggesting a gradual change in behavior that may be sustained in 2011.

Read the entire Market Commentary. (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Market Commentary for the week of January 3, 2011. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. This commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx

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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/

Market Commentary Highlights...

The year 2010 is ending on a high note for investors. The economy has shown signs of reaccelerating from the summer soft spot, the S&P 500 has made new two-year highs, and the President signed into law an extension of all of the tax cuts.

Investor confidence is also on a high note. Investors are now the most bullish they have been since 2004. History tells us that when there are too many bulls the market may be due for a pullback.

Recent years have seen extremes one way or the other. We see a “middle-of-the-road” 2011
that offers investors modest single-digit gains for stocks, low- to mid-single-digit gains for
bonds, and an economy in the United States that muddles along at a 2.5 to 3% pace.

Read the entire Market Commentary. (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Market Commentary for the week of December 28, 2010. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. This commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx

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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. www.mylsb.com