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Bremer Bank, National Association

Alexandria, MN · Cert 12915

FDIC · 8 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 2026-10-10

Bremer Bank, National Association

Alexandria, MN · Cert 12915

FDIC · 8 branches

Q3 2014

$623.6MAssets
$443.5MLoans
$500.4MDeposits
$55.5MEquity
Loan mix
68%RE $234.8M20%C&I $68.5M13%Consumer $44.2MQ3 2013Q3 2014
Deposit mix
75%Interest-bearing $373.8M25%Noninterest $126.6MQ3 2013Q3 2014

NIM

3.95%Q3 ’123.44%Q3 ’133.68%Q3 ’14-11%+10%

Non-interest income vs. expense

3.14%Q3 ’123.15%Q3 ’133.04%Q3 ’14+2%-4%

Executive Summary

  • Earnings: ROA of 1.08%, up 36 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 88.63% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

1.08%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+31 bps YoY

Efficiency Ratio (YTD, annualized)

66.44%-686 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 Assets0.72%0.73%0.89%0.97%1.08%+36 bps
Return on Equity9.15%9.24%11.59%12.16%13.23%+408 bps
Net Interest Margin3.16%3.14%3.23%3.34%3.47%+31 bps
Efficiency Ratio73.30%73.38%72.35%69.50%66.44%-686 bps
Non-Interest Burden2.01%2.01%2.09%2.03%1.93%-8 bps
Growth
Asset Growth (YoY)4.34%-0.49%5.31%1.10%-3.46%-780 bps
Loan Growth (YoY)3.18%-1.90%2.83%4.91%2.39%-79 bps
Deposit Growth (YoY)4.78%-1.83%-1.96%-2.63%-5.73%-1,051 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.23%0.21%0.04%0.05%0.04%-20 bps
Allowance / Loans1.68%1.64%1.68%1.58%1.61%-6 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 Capital12.42%12.13%12.35%12.03%12.43%+1 bps
Equity / Assets7.76%7.82%7.60%8.48%8.90%+113 bps
Liquidity & Funding
Loans / Deposits81.60%80.84%80.49%89.63%88.63%+703 bps
Liquid Assets / Assets13.54%9.75%8.09%3.04%2.96%-1,058 bps
CRE / Total Capitaln/an/an/an/an/an/an/a