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Bremer Bank, National Association

Menomonie, WI · Cert 15241

FDIC · 12 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

Menomonie, WI · Cert 15241

FDIC · 12 branches

Q3 2014

$736.0MAssets
$543.4MLoans
$544.4MDeposits
$72.2MEquity
Loan mix
76%RE $315.2M19%C&I $79.7M5%Consumer $19.4MQ3 2013Q3 2014
Deposit mix
74%Interest-bearing $402.5M26%Noninterest $141.9MQ3 2013Q3 2014

NIM

3.88%Q3 ’123.42%Q3 ’133.64%Q3 ’14-10%+12%

Non-interest income vs. expense

2.85%Q3 ’122.89%Q3 ’132.90%Q3 ’14+5%+2%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2014 SOD (annual) · 0.0% share · #119 of 159 inst. · $0.0B of $212.7B

33.9% Polk
38.5% Dunn
35.5% Bayfield
30.7% Burnett

Executive Summary

  • Earnings: ROA of 0.84%, up 10 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 99.82% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.84%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+35 bps YoY

Efficiency Ratio (YTD, annualized)

71.15%-577 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 Assets0.74%0.65%0.70%0.73%0.84%+10 bps
Return on Equity9.15%7.82%7.79%7.99%9.02%-14 bps
Net Interest Margin3.00%3.13%3.18%3.30%3.36%+35 bps
Efficiency Ratio76.92%78.11%75.40%73.38%71.15%-577 bps
Non-Interest Burden2.14%2.28%2.24%2.24%2.18%+4 bps
Growth
Asset Growth (YoY)4.57%4.09%12.92%6.03%2.10%-246 bps
Loan Growth (YoY)12.89%15.39%13.85%14.58%13.87%+98 bps
Deposit Growth (YoY)9.56%4.72%9.56%0.26%-5.36%-1,492 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.18%0.03%0.02%0.06%-9 bps
Allowance / Loans1.31%1.33%1.43%1.44%1.41%+11 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 Capital11.07%12.55%12.83%12.41%12.45%+138 bps
Equity / Assets7.94%9.24%8.73%9.60%9.81%+188 bps
Liquidity & Funding
Loans / Deposits82.97%87.45%86.56%99.47%99.82%+1,685 bps
Liquid Assets / Assets9.37%5.19%10.89%4.77%4.43%-494 bps
CRE / Total Capitaln/an/an/an/an/an/an/a