PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Beatrice National Bank and Trust Company, The

Beatrice, NE · Cert 5383

FDIC

Q2 2002

$82.0MAssets
$63.7MLoans
$75.7MDeposits
$4.4MEquity
Loan mix
54%RE $22.0M43%C&I $17.6M2%Consumer $0.9MQ2 2001Q2 2002
Deposit mix
85%Interest-bearing $64.4M15%Noninterest $11.3MQ2 2001Q2 2002

NIM

8.61%Q1 ’018.40%Q2 ’016.98%Q2 ’02+1%+8%

Non-interest income vs. expense

4.05%Q1 ’013.97%Q2 ’015.21%Q2 ’02+0%+34%

Executive Summary

  • Earnings: ROA of -4.65%, down 579 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 9.87%.
  • Funding: loans stand at 84.11% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

-4.65%-579 bps YoY

Net Interest Margin (YTD, annualized)

5.14%+40 bps YoY

Efficiency Ratio (YTD, annualized)

80.92%+1,241 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.14%-3.06%-3.73%0.69%-4.65%-579 bps
Return on Equityn/an/an/a9.63%-70.56%n/a
Net Interest Margin4.74%4.03%4.11%5.00%5.14%+40 bps
Efficiency Ratio68.52%77.88%83.47%78.39%80.92%+1,241 bps
Non-Interest Burden2.92%2.92%3.27%3.69%3.91%+100 bps
Growth
Asset Growth (YoY)6.17%2.08%-4.60%-13.17%-20.89%-2,706 bps
Loan Growth (YoY)5.34%4.77%-5.93%-15.26%-24.07%-2,941 bps
Deposit Growth (YoY)5.00%2.17%-3.80%-10.91%-11.45%-1,645 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%2.56%5.34%0.59%9.87%+982 bps
Allowance / Loans1.00%4.32%4.42%4.60%5.49%+448 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 Capital10.54%6.57%9.74%10.77%5.67%-487 bps
Equity / Assets7.90%4.96%6.73%7.56%5.40%-249 bps
Liquidity & Funding
Loans / Deposits98.09%96.83%87.48%91.55%84.11%-1,398 bps
Liquid Assets / Assets0.01%0.01%0.02%0.02%0.03%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a