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Fremont First Central

Fremont, NE · Charter 24280

NCUA · 3 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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: NCUA 5300 Call Report, 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

Fremont First Central

Fremont, NE · Charter 24280

NCUA · 3 branches

Q3 2018

$39.8MAssets
$16.5MLoans
$35.7MShares
$3.9MNet Worth

Executive Summary

  • Earnings: ROA of -0.31%, down 50 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 0.21% of loans (-33 bps YoY).
  • Capital: net worth / assets of 9.71%, down 12 bps from a year ago.
  • Funding: loans stand at 46.12% of shares as of Q3 2018.

Return on Assets (YTD, annualized)

-0.31%-50 bps YoY

Net Interest Margin (YTD, annualized)

2.08%-50 bps YoY

Efficiency Ratio (YTD, annualized)

110.49%+1,647 bps YoY

Net Worth / Assets

9.71%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.04%-0.05%0.09%0.19%0.19%0.22%0.33%-0.31%-50 bps
Return on Equity0.38%-0.49%0.92%1.91%2.01%2.31%3.54%-3.23%-514 bps
Net Interest Margin2.57%2.51%2.53%2.58%2.52%2.45%2.48%2.08%-50 bps
Efficiency Ratio98.70%101.47%97.24%94.02%92.74%93.05%89.53%110.49%+1,647 bps
Growth
Asset Growth (YoY)-2.52%1.04%5.14%2.00%3.38%3.58%5.58%-0.55%-256 bps
Loan Growth (YoY)1.23%-4.58%-5.09%-4.29%-5.04%-4.05%-4.45%-1.71%+258 bps
Share Growth (YoY)-0.29%3.77%5.64%2.00%3.51%3.66%5.83%-0.26%-226 bps
Asset Quality
Delinquent Loans / Loans0.49%0.51%0.54%0.54%0.53%0.34%0.55%0.21%-33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.58%0.56%0.58%0.52%0.52%0.50%0.46%0.30%-22 bps
Capital
Risk-Based Capital9.71%9.37%9.56%9.83%9.59%9.30%9.36%9.71%-12 bps
Net Worth / Assets9.71%9.37%9.56%9.83%9.59%9.30%9.36%9.71%-12 bps
Liquidity & Funding
Loans / Shares49.05%46.21%45.77%46.80%45.00%42.77%41.33%46.12%-68 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps