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Bremer Trust, National Association

Saint Cloud, MN · Cert 27120

FDIC

Q4 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: Q4 2018, the quarter ended December 31, 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: 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 Trust, National Association

Saint Cloud, MN · Cert 27120

FDIC

Q4 2018

$14.1MAssets
n/aLoans
n/aDeposits
$9.1MEquity

NIM

0.13%Q4 ’160.17%Q4 ’170.25%Q4 ’18+30%+43%

Non-interest income vs. expense

145.91%Q4 ’16139.30%Q4 ’17119.94%Q4 ’18+23%+23%

Executive Summary

  • Earnings: ROA of 26.10%, down 178 bps year over year; NIM at 0.21%.
  • Capital: tier 1 leverage ratio of 66.69%, down 1,209 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

26.10%-178 bps YoY

Net Interest Margin (YTD, annualized)

0.21%+6 bps YoY

Efficiency Ratio (YTD, annualized)

77.87%+198 bps YoY

Tier 1 Leverage Ratio

66.69%-1,209 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets27.88%31.03%24.62%27.16%26.10%-178 bps
Return on Equity39.06%46.86%36.26%40.26%39.01%-4 bps
Net Interest Margin0.15%0.15%0.23%0.24%0.21%+6 bps
Efficiency Ratio75.89%74.14%79.64%77.07%77.87%+198 bps
Non-Interest Burden-44.08%-44.89%-35.10%-39.08%-33.84%+1,024 bps
Growth
Asset Growth (YoY)35.75%33.00%26.36%28.81%-3.78%-3,953 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio78.77%75.46%75.31%77.58%66.69%-1,209 bps
Total Risk-Based Capital100.23%112.79%105.50%107.54%108.50%+827 bps
Equity / Assets63.45%69.09%71.42%66.31%64.53%+108 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets29.65%30.00%24.29%21.52%23.47%-619 bps
CRE / Total Capitaln/an/an/an/an/an/an/a