Beatrice National Bank and Trust Company, The

Beatrice, NE · Cert 5383

FDIC

Q2 2002

$82.0MAssets

$63.7MLoans

$75.7MDeposits

$4.4MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -10.50%, down 1,157 bps year over year; NIM at 4.80%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 19.09%.
Funding: loans stand at 84.11% of deposits as of Q2 2002.

Return on Assets (quarter, annualized)

-10.50%-1,157 bps YoY

Net Interest Margin (quarter, annualized)

4.80%-7 bps YoY

Efficiency Ratio (quarter, annualized)

83.63%+1,609 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2001	Q3 2001	Q4 2001	Q1 2002	Q2 2002	YoY Δ	Trend
Earnings
Return on Assets	1.06%	-11.43%	-5.77%	0.69%	-10.50%	-1,157 bps
Return on Equity	13.32%	-177.40%	-99.13%	9.63%	-161.11%	-17,443 bps
Net Interest Margin	4.86%	2.72%	3.54%	5.00%	4.80%	-7 bps
Efficiency Ratio	67.54%	107.77%	104.57%	78.39%	83.63%	+1,609 bps
Non-Interest Burden	2.97%	3.00%	3.74%	3.69%	3.78%	+81 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.11%	7.60%	12.83%	0.59%	19.09%	+1,898 bps
Allowance / Loans	1.00%	4.32%	4.42%	4.60%	5.49%	+448 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	10.54%	6.57%	9.74%	10.77%	5.67%	-487 bps
Equity / Assets	7.90%	4.96%	6.73%	7.56%	5.40%	-249 bps
Liquidity & Funding
Loans / Deposits	98.09%	96.83%	87.48%	91.55%	84.11%	-1,398 bps
Liquid Assets / Assets	0.01%	0.01%	0.02%	0.02%	0.03%	+1 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a