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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 $0.9MQ3 2000Q2 2002
Deposit mix
85%Interest-bearing $64.4M15%Noninterest $11.3MQ3 2000Q2 2002

Executive Summary

  • 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
n/a

NIM

8.61%Q1 ’018.33%Q2 ’016.51%Q2 ’02+4%-1%

Non-interest income vs. expense

4.05%Q1 ’013.94%Q2 ’015.20%Q2 ’02+2%+27%

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.06%1.03%1.22%1.06%-11.43%-5.77%0.69%-10.50%-1,157 bps
Return on Equityn/an/an/a13.32%-177.40%-99.13%9.63%-161.11%-17,443 bps
Net Interest Marginn/an/a4.69%4.86%2.72%3.54%5.00%4.80%-7 bps
Efficiency Ration/an/a69.51%67.54%107.77%104.57%78.39%83.63%+1,609 bps
Non-Interest Burdenn/an/a2.91%2.97%3.00%3.74%3.69%3.78%+81 bps
Growth
Asset Growth (YoY)2.31%4.30%6.80%6.17%2.08%-4.60%-13.17%-20.89%-2,706 bps
Loan Growth (YoY)3.54%3.68%8.53%5.34%4.77%-5.93%-15.26%-24.07%-2,941 bps
Deposit Growth (YoY)1.82%7.65%3.36%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a-0.01%0.11%7.60%12.83%0.59%19.09%+1,898 bps
Allowance / Loansn/an/a1.00%1.00%4.32%4.42%4.60%5.49%+448 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a10.79%10.54%6.57%9.74%10.77%5.67%-487 bps
Equity / Assetsn/an/a8.09%7.90%4.96%6.73%7.56%5.40%-249 bps
Liquidity & Funding
Loans / Deposits94.44%89.46%96.25%98.09%96.83%87.48%91.55%84.11%-1,398 bps
Liquid Assets / Assets0.00%0.00%0.01%0.01%0.01%0.02%0.02%0.03%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a