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Bank of Bertrand

Bertrand, NE · Cert 15267

FDIC

Q4 2012

$47.2MAssets
$21.8MLoans
$39.3MDeposits
$6.0MEquity
Loan mix
57%RE $4.6M20%C&I $1.6M23%Consumer $1.8MQ4 2011Q4 2012
Deposit mix
68%Interest-bearing $26.7M32%Noninterest $12.6MQ4 2011Q4 2012

NIM

4.00%Q4 ’103.82%Q4 ’113.43%Q4 ’12-3%-6%

Non-interest income vs. expense

2.47%Q4 ’102.50%Q4 ’112.20%Q4 ’12+3%-14%

Executive Summary

  • Earnings: ROA of 0.56%, up 5 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 55.49% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

0.56%+5 bps YoY

Net Interest Margin (YTD, annualized)

2.71%-18 bps YoY

Efficiency Ratio (YTD, annualized)

73.74%-593 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.51%0.46%0.49%0.56%0.56%+5 bps
Return on Equity3.46%3.32%3.58%3.98%4.11%+65 bps
Net Interest Margin2.89%2.47%2.48%2.77%2.71%-18 bps
Efficiency Ratio79.67%78.75%76.88%74.15%73.74%-593 bps
Non-Interest Burden2.25%1.89%1.85%1.98%1.92%-32 bps
Growth
Asset Growth (YoY)11.06%7.56%9.03%5.27%18.09%+703 bps
Loan Growth (YoY)-5.26%-10.38%-5.19%-6.31%0.30%+555 bps
Deposit Growth (YoY)15.72%12.38%11.64%6.29%27.13%+1,141 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%-0.14%0.13%0.12%0.04%0 bps
Allowance / Loans1.01%1.13%0.91%0.93%0.96%-4 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 Capital22.85%24.18%22.38%23.68%22.75%-10 bps
Equity / Assets14.43%13.51%13.44%14.71%12.64%-179 bps
Liquidity & Funding
Loans / Deposits70.33%59.86%67.36%67.09%55.49%-1,484 bps
Liquid Assets / Assets29.72%35.30%36.19%33.03%27.60%-212 bps
CRE / Total Capitaln/an/an/an/an/an/an/a