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Bremer Bank, National Association

Brainerd, MN · Cert 12917

FDIC · 3 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

Brainerd, MN · Cert 12917

FDIC · 3 branches

Q3 2014

$364.7MAssets
$276.2MLoans
$245.8MDeposits
$37.6MEquity
Loan mix
75%RE $183.4M22%C&I $53.3M4%Consumer $9.2MQ3 2013Q3 2014
Deposit mix
78%Interest-bearing $192.3M22%Noninterest $53.5MQ3 2013Q3 2014

NIM

4.30%Q3 ’124.08%Q3 ’133.95%Q3 ’14-3%-1%

Non-interest income vs. expense

3.11%Q3 ’122.98%Q3 ’132.70%Q3 ’14-7%-6%

Executive Summary

  • Earnings: ROA of 1.36%, up 18 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 112.40% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

1.36%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-5 bps YoY

Efficiency Ratio (YTD, annualized)

58.74%-314 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 Assets1.18%1.13%0.93%1.19%1.36%+18 bps
Return on Equity12.22%11.68%9.67%12.35%13.82%+160 bps
Net Interest Margin3.78%3.74%3.59%3.56%3.73%-5 bps
Efficiency Ratio61.88%62.53%65.56%61.95%58.74%-314 bps
Non-Interest Burden1.95%1.98%2.10%1.93%1.83%-11 bps
Growth
Asset Growth (YoY)2.62%-3.24%10.47%7.87%2.30%-32 bps
Loan Growth (YoY)9.54%3.92%5.74%4.09%2.07%-746 bps
Deposit Growth (YoY)-0.46%-6.58%-1.29%-6.84%-11.32%-1,087 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.27%0.23%0.00%-0.10%-0.05%-33 bps
Allowance / Loans1.76%1.82%1.83%1.81%1.81%+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 Capital12.82%12.97%12.68%12.76%13.28%+46 bps
Equity / Assets9.52%9.79%9.46%9.71%10.31%+79 bps
Liquidity & Funding
Loans / Deposits97.65%98.62%99.73%111.42%112.40%+1,475 bps
Liquid Assets / Assets6.08%6.24%5.82%5.70%5.57%-51 bps
CRE / Total Capitaln/an/an/an/an/an/an/a