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Bremer Bank, National Association

Willmar, MN · Cert 12198

FDIC · 5 branches

Q3 2014

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: Q3 2014, the quarter ended September 30, 2014, 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

Bremer Bank, National Association

Willmar, MN · Cert 12198

FDIC · 5 branches

Q3 2014

$762.3MAssets
$616.3MLoans
$458.0MDeposits
$74.1MEquity
Loan mix
61%RE $319.7M23%C&I $120.4M16%Consumer $81.6MQ3 2013Q3 2014
Deposit mix
69%Interest-bearing $315.8M31%Noninterest $142.2MQ3 2013Q3 2014

NIM

4.51%Q3 ’124.04%Q3 ’133.85%Q3 ’14-9%-4%

Non-interest income vs. expense

3.16%Q3 ’123.01%Q3 ’132.65%Q3 ’140%-10%

Market Position · Mankato-North Mankato, MN · 2014 SOD (annual) · 1.5% share · #18 of 22 inst. · $0.0B of $2.0B

21.4% Kandiyohi
19.1% Lyon
9.6% Redwood
2.0% Blue Earth

Executive Summary

  • Earnings: ROA of 1.12%, down 8 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Funding: loans stand at 134.55% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

1.12%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.69%-14 bps YoY

Efficiency Ratio (YTD, annualized)

57.72%-382 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets1.20%1.13%0.96%1.04%1.12%-8 bps
Return on Equity13.79%12.87%10.48%11.35%11.99%-180 bps
Net Interest Margin3.83%3.77%3.71%3.67%3.69%-14 bps
Efficiency Ratio61.54%62.05%61.98%59.21%57.72%-382 bps
Non-Interest Burden1.95%1.97%1.99%1.84%1.75%-20 bps
Growth
Asset Growth (YoY)16.32%11.77%18.26%14.50%9.00%-732 bps
Loan Growth (YoY)17.01%17.78%12.96%13.35%10.47%-654 bps
Deposit Growth (YoY)-15.00%-7.77%1.37%2.42%2.69%+1,769 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.11%0.37%0.19%0.18%+12 bps
Allowance / Loans1.25%1.26%1.25%1.26%1.33%+8 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 Capital11.34%12.11%12.08%11.88%12.24%+90 bps
Equity / Assets8.68%9.25%9.07%9.26%9.73%+105 bps
Liquidity & Funding
Loans / Deposits125.07%120.23%121.68%135.32%134.55%+947 bps
Liquid Assets / Assets4.99%4.80%4.48%4.15%4.10%-90 bps
CRE / Total Capitaln/an/an/an/an/an/an/a