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Bremen Bank and Trust Company

Saint Louis, MO · Cert 1067

FDIC · 5 branches

Q2 2016

$163.6MAssets
$100.6MLoans
$126.0MDeposits
$14.2MEquity
Loan mix
63%RE $55.1M37%C&I $32.3M0%Consumer $0.4MQ3 2014Q2 2016
Deposit mix
75%Interest-bearing $94.2M25%Noninterest $31.8MQ3 2014Q2 2016

Market Position · St. Louis, MO-IL · 2016 SOD (annual) · 0.1% share · #67 of 132 inst. · $0.1B of $95.1B

0.2% St. Louis (City)
0.1% St. Louis
0.4% St. Charles

Executive Summary

  • Earnings: ROA of -4.75%, down 570 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 7.73%, up 38 bps from a year ago.
  • Funding: loans stand at 79.82% of deposits as of Q2 2016.

Return on Assets (quarter, annualized)

-4.75%-570 bps YoY

Net Interest Margin (quarter, annualized)

2.94%+24 bps YoY

Efficiency Ratio (quarter, annualized)

286%+20,972 bps YoY

Tier 1 Leverage Ratio

7.73%+38 bps YoY

NIM

3.36%Q2 ’143.40%Q2 ’153.47%Q2 ’16+8%+9%

Non-interest income vs. expense

2.45%Q2 ’142.17%Q2 ’156.48%Q2 ’16-16%+257%

Discrete quarter, annualized.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-17.56%0.45%1.09%0.94%0.88%0.53%0.32%1-4.75%-570 bps
Return on Equity-206%6.63%14.29%11.72%10.36%5.89%3.46%-52.45%-6,417 bps
Net Interest Margin2.44%2.57%2.80%2.70%2.85%2.90%2.96%2.94%+24 bps
Efficiency Ratio683%85.23%72.92%75.90%70.93%82.88%94.15%286%+20,972 bps
Non-Interest Burden17.52%2.17%2.00%2.00%1.96%2.36%2.78%7.14%+514 bps
Growth
Asset Growth (YoY)-3.04%-9.04%-11.06%-10.95%-14.06%-9.28%-9.64%-11.05%-10 bps
Loan Growth (YoY)-4.99%-2.41%-4.35%-7.35%-4.36%-7.43%-7.15%-6.77%+58 bps
Deposit Growth (YoY)-3.99%-6.58%-8.40%-9.08%-13.64%-12.41%-12.68%-13.65%-457 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.19%0.08%-0.05%2.27%-0.01%0.02%1.00%0.20%-207 bps
Allowance / Loans2.31%2.22%2.24%1.79%1.83%1.83%1.63%1.91%+12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a7.32%7.35%7.97%8.24%8.62%7.73%+38 bps
Total Risk-Based Capital10.17%10.27%10.73%11.13%11.63%11.80%12.04%11.14%+1 bps
Equity / Assets6.53%7.21%8.01%8.06%8.88%9.07%9.45%8.67%+60 bps
Liquidity & Funding
Loans / Deposits69.45%74.00%76.06%73.94%76.91%78.21%80.88%79.82%+589 bps
Liquid Assets / Assets7.41%2.30%2.90%4.93%1.28%1.42%2.00%3.04%-188 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a