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Letter portraitLegal landscapeQuarterYTD

First National Bank of Cambridge, The

Cambridge, NE · Cert 5389

FDIC

Q1 2013

$51.4MAssets
$22.4MLoans
$46.2MDeposits
$5.1MEquity
Loan mix
66%RE $6.7M15%C&I $1.5M19%Consumer $1.9MQ1 2012Q1 2013
Deposit mix
83%Interest-bearing $38.5M17%Noninterest $7.7MQ1 2012Q1 2013

NIM

3.61%Q1 ’112.96%Q1 ’122.68%Q1 ’13-13%-3%

Non-interest income vs. expense

3.08%Q1 ’112.67%Q1 ’122.52%Q1 ’13-13%-15%

Executive Summary

  • Earnings: ROA of 0.57%, up 21 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 48.50% of deposits as of Q1 2013.

Financial Results

Return on Assets (quarter, annualized)

0.57%+21 bps YoY

Net Interest Margin (quarter, annualized)

2.35%-8 bps YoY

Efficiency Ratio (quarter, annualized)

80.60%-739 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.36%0.70%0.50%0.15%0.57%+21 bps
Return on Equity3.85%7.35%4.91%1.50%5.81%+196 bps
Net Interest Margin2.42%2.54%2.75%2.60%2.35%-8 bps
Efficiency Ratio87.99%84.73%83.51%94.15%80.60%-739 bps
Non-Interest Burden2.06%1.79%2.24%2.43%1.74%-32 bps
Growth
Asset Growth (YoY)11.54%-2.75%-2.70%7.61%-6.25%-1,780 bps
Loan Growth (YoY)-3.44%-2.15%-3.84%-1.53%-1.31%+213 bps
Deposit Growth (YoY)12.50%-5.11%1.64%8.03%-7.31%-1,981 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.44%-0.02%-0.03%-0.02%-0.04%+40 bps
Allowance / Loans1.41%1.32%1.26%1.31%1.46%+5 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 Capital19.27%18.77%18.17%18.57%20.49%+122 bps
Equity / Assets8.93%10.12%10.29%9.70%9.97%+104 bps
Liquidity & Funding
Loans / Deposits45.55%56.16%58.32%52.63%48.50%+295 bps
Liquid Assets / Assets23.58%17.37%15.60%19.61%19.56%-402 bps
CRE / Total Capitaln/an/an/an/an/an/an/a