Economic Commentary Highlights...

• Housing and manufacturing data due out this week still reflect an economic “lull”.
  

• Several Federal Reserve policy “hawks” will flap their wings this week.

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Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of May 23, 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...

• The events predicted for the purported Judgment Day, this past Saturday, did not come to pass. Nevertheless, early last week market participants acted as if the end was near.
  

• As we pass judgment on the recent market and economic performance, we find the evidence to be much less than apocalyptic.

• The most important conditions are much better now than a year ago and, as investor sentiment rebounds, we expect commodity prices to rise after the sharp pullback over the past several weeks.

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 May 23, 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...

• Many factors are vying for investors’ attention. One way to look at the balance of factors driving the markets is to create a balance sheet.
  

• The more balanced current environment for growth than experienced over the past two years suggests that the economic expansion is self-sustaining, but moderate.

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Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of May 16, 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

Economic Commentary Highlights...

• The week ahead includes data on manufacturing and housing.
  

• A look at the state of the housing market two years into the economic recovery.

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 May 16, 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

You may have heard recently that we have decided to upgrade our Core Operating System. In an effort to provide our broad range of financial solutions in a cohesive, unified way we have chosen Open Solutions' DNA product.

DNA is an enterprise-wide core relational platform that creates a comprehensive view of customers, employees and business partners. We have no doubt that this functionality will greatly increasing workflow, flexibility and productivity.

Open Solutions’ data structure and open architecture will improve internal efficiencies and enhance the customer experience through all channels. They are a leading provider of integrated enabling technologies for financial service providers throughout the United States, Canada and other international markets. We are very excited about the conversion and can not wait to share the rewards with our customers.

In a recent Press Release Louis Hernandez, Jr., chairman and CEO of Open Solutions also speaks of how excited they about the conversion, “These banks are great examples of community financial institutions that are capitalizing on their potential for growth and success by utilizing leading-edge technology to fulfill their goal of the highest level of customer service. We are proud to work with institutions that value the communities they serve with long-term goals of support and innovation. We look forward to a productive and lasting relationship with Lincoln Savings".

View the entire article

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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

Economic Commentary Highlights...

• April ISM, jobs reports bookend a busy week for data.
  

• Policy parade at home and abroad.

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Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of May 2, 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...

• As the combat troops leave Iraq and the proportional response to the threat in Afghanistan is now assessed, the United States will likely regain the resources and focus to project more effective foreign policy influence over the rest of its interests. This means geopolitical risk in the capital markets may not decline materially, muting the market’s initial reaction.

View the entire market commentary (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Market Commentary for the week of May 2, 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...

• The ongoing decline in the US dollar is reinforced by several pressures including the unsustainable budget deficit, slackening foreign demand, and the easy monetary policy of the Federal Reserve (Fed). The dollar may get a respite this Wednesday, April 27, when Fed Chairman Ben Bernanke may signal a pending transition in Fed policy. However, any near-term dollar strength is likely to be short-lived and we expect the orderly decline in the dollar to continue and maintain the favorable, mirror- image-like relationship with the stock market.

View the entire market commentary. (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of April 25, 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

Economic Commentary Highlights...

• The first-ever post-FOMC press conference highlights this week’s economic calendar.

• The economy probably decelerated in the first quarter, but the expansion is far from over.

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 April 25, 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