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First National Bank & Trust Company of Columbus

Columbus, NE · Cert 5393

FDIC

Q4 2013

$447.4MAssets
$319.3MLoans
$387.5MDeposits
$30.9MEquity
Loan mix
75%RE $107.8M19%C&I $27.5M6%Consumer $8.0MQ4 2012Q4 2013
Deposit mix
81%Interest-bearing $313.3M19%Noninterest $74.3MQ4 2012Q4 2013

NIM

3.84%Q4 ’113.32%Q4 ’123.36%Q4 ’13-10%+3%

Non-interest income vs. expense

2.65%Q4 ’112.38%Q4 ’122.49%Q4 ’13-9%+10%

Executive Summary

  • Earnings: ROA of 0.75%, up 11 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 82.39% of deposits as of Q4 2013.

Financial Results

Return on Assets (quarter, annualized)

0.75%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+8 bps YoY

Efficiency Ratio (quarter, annualized)

67.41%+265 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.65%0.98%0.82%0.82%0.75%+11 bps
Return on Equity8.32%12.81%10.66%11.02%10.65%+233 bps
Net Interest Margin3.09%3.01%3.11%3.19%3.18%+8 bps
Efficiency Ratio64.76%68.36%66.47%66.09%67.41%+265 bps
Non-Interest Burden1.80%1.87%1.88%1.91%1.97%+17 bps
Growth
Asset Growth (YoY)9.55%-1.39%1.57%-1.93%-1.46%-1,101 bps
Loan Growth (YoY)0.55%6.19%9.32%13.40%10.30%+976 bps
Deposit Growth (YoY)14.05%1.11%-1.71%-0.25%-3.93%-1,798 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.01%0.05%0.03%0.02%-1 bps
Allowance / Loans1.04%0.93%0.89%0.88%0.87%-17 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 Capital13.04%13.52%13.07%12.39%11.78%-127 bps
Equity / Assets7.56%7.75%7.59%7.25%6.91%-66 bps
Liquidity & Funding
Loans / Deposits71.76%78.36%82.37%81.91%82.39%+1,063 bps
Liquid Assets / Assets7.31%7.98%5.66%5.07%4.39%-292 bps
CRE / Total Capitaln/an/an/an/an/an/an/a