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First National Bank of Fremont, The

Fremont, IN · Cert 4342

FDIC

Q3 2005

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 2005, the quarter ended September 30, 2005, 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

First National Bank of Fremont, The

Fremont, IN · Cert 4342

FDIC

Q3 2005

$102.0MAssets
$70.9MLoans
$94.7MDeposits
$5.6MEquity
Loan mix
88%RE $35.3M10%C&I $3.8M2%Consumer $0.9MQ3 2004Q3 2005
Deposit mix
78%Interest-bearing $73.4M22%Noninterest $21.3MQ3 2004Q3 2005

NIM

5.61%Q3 ’035.33%Q3 ’045.46%Q3 ’05-3%-2%

Non-interest income vs. expense

4.90%Q3 ’034.99%Q3 ’045.68%Q3 ’05+5%+17%

Executive Summary

  • Earnings: ROA of -0.56%, down 91 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.90%.
  • Funding: loans stand at 74.86% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

-0.56%-91 bps YoY

Net Interest Margin (YTD, annualized)

4.33%-10 bps YoY

Efficiency Ratio (YTD, annualized)

101.60%+1,325 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.35%-1.79%-1.44%-0.69%-0.56%-91 bps
Return on Equity4.90%-26.28%-26.56%-12.63%-10.30%-1,520 bps
Net Interest Margin4.43%4.34%4.29%4.26%4.33%-10 bps
Efficiency Ratio88.34%112.71%111.23%100.28%101.60%+1,325 bps
Non-Interest Burden3.79%5.06%4.93%4.30%4.45%+66 bps
Growth
Asset Growth (YoY)0.30%-8.08%-11.83%-11.41%-11.92%-1,222 bps
Loan Growth (YoY)10.71%7.90%2.09%-6.97%-14.97%-2,569 bps
Deposit Growth (YoY)0.52%-3.93%-1.87%-8.15%-7.67%-820 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%1.89%1.03%0.83%0.90%+84 bps
Allowance / Loans0.85%2.14%2.48%2.63%2.65%+180 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 Capital10.29%8.61%8.23%8.66%8.79%-150 bps
Equity / Assets7.31%5.63%5.20%5.46%5.48%-183 bps
Liquidity & Funding
Loans / Deposits81.29%80.92%78.91%78.48%74.86%-643 bps
Liquid Assets / Assets4.56%5.35%0.00%0.00%0.00%-456 bps
CRE / Total Capitaln/an/an/an/an/an/an/a