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First National Bank of Battle Lake, The

Battle Lake, MN · Cert 5090

FDIC · 1 branch

Q4 2017

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 2017, the quarter ended December 31, 2017, 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 Battle Lake, The

Battle Lake, MN · Cert 5090

FDIC · 1 branch

Q4 2017

$80.6MAssets
$45.2MLoans
$70.3MDeposits
$10.1MEquity
Loan mix
84%RE $34.5M7%C&I $3.0M8%Consumer $3.5MQ4 2016Q4 2017
Deposit mix
87%Interest-bearing $61.5M13%Noninterest $8.8MQ4 2016Q4 2017

NIM

3.66%Q4 ’153.60%Q4 ’163.93%Q4 ’17-2%+10%

Non-interest income vs. expense

2.19%Q4 ’152.12%Q4 ’162.26%Q4 ’17-7%+12%

Executive Summary

  • Earnings: ROA of 1.70%, up 9 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.15% of loans (+15 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 12.24%, up 49 bps from a year ago.
  • Funding: loans stand at 64.22% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

1.70%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+31 bps YoY

Efficiency Ratio (YTD, annualized)

55.89%-27 bps YoY

Tier 1 Leverage Ratio

12.24%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets1.61%1.70%1.81%1.77%1.70%+9 bps
Return on Equity12.25%14.00%14.62%14.30%13.69%+145 bps
Net Interest Margin3.08%3.25%3.32%3.34%3.38%+31 bps
Efficiency Ratio56.16%55.51%53.42%54.00%55.89%-27 bps
Non-Interest Burden1.42%1.52%1.45%1.51%1.60%+18 bps
Growth
Asset Growth (YoY)2.70%5.97%0.94%3.13%1.53%-117 bps
Loan Growth (YoY)12.16%23.92%17.72%16.11%11.52%-64 bps
Deposit Growth (YoY)3.38%8.01%2.14%3.53%3.65%+26 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.57%0.23%0.23%0.15%+15 bps
Net Charge-Offs / Loans0.43%-0.02%-0.01%-0.01%0.06%-37 bps
Allowance / Loans0.98%1.00%1.01%1.07%1.04%+6 bps
Allowance Coverage of NPLsn/a1.7x4.3x4.7x6.7xn/a
Capital
Tier 1 Leverage Ratio11.75%12.42%12.21%11.84%12.24%+49 bps
Total Risk-Based Capital20.26%20.64%19.60%19.38%19.80%-46 bps
Equity / Assets11.94%12.38%12.72%12.46%12.57%+62 bps
Liquidity & Funding
Loans / Deposits59.69%59.49%62.24%62.47%64.22%+454 bps
Liquid Assets / Assets0.13%0.12%0.12%0.12%0.17%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a