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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 $8.0MQ1 2012Q4 2013
Deposit mix
81%Interest-bearing $313.3M19%Noninterest $74.3MQ1 2012Q4 2013

Executive Summary

  • Earnings: ROA of 0.84%, down 6 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 82.39% of deposits as of Q4 2013.

Return on Assets (YTD, annualized)

0.84%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.12%-10 bps YoY

Efficiency Ratio (YTD, annualized)

67.08%+466 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.03%Q4 ’113.50%Q4 ’123.31%Q4 ’13-9%-3%

Non-interest income vs. expense

2.66%Q4 ’112.36%Q4 ’122.48%Q4 ’13-8%+6%

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets1.00%1.03%0.99%0.90%0.98%0.90%0.87%0.84%-6 bps
Return on Equity12.86%13.04%12.54%11.54%12.81%11.76%11.53%11.33%-21 bps
Net Interest Margin3.24%3.21%3.27%3.22%3.01%3.08%3.14%3.12%-10 bps
Efficiency Ratio62.21%61.06%61.66%62.41%68.36%67.41%66.96%67.08%+466 bps
Non-Interest Burden1.81%1.75%1.80%1.80%1.87%1.89%1.90%1.91%+11 bps
Growth
Asset Growth (YoY)9.50%10.70%10.92%9.55%-1.39%1.57%-1.93%-1.46%-1,101 bps
Loan Growth (YoY)12.68%6.48%1.18%0.55%6.19%9.32%13.40%10.30%+976 bps
Deposit Growth (YoY)6.67%12.64%11.26%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.02%0.01%0.01%0.01%0.03%0.03%0.03%+1 bps
Allowance / Loans0.97%0.97%0.98%1.04%0.93%0.89%0.88%0.87%-17 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 Capital13.81%14.24%14.52%13.04%13.52%13.07%12.39%11.78%-127 bps
Equity / Assets7.61%8.11%7.95%7.56%7.75%7.59%7.25%6.91%-66 bps
Liquidity & Funding
Loans / Deposits74.62%74.05%72.05%71.76%78.36%82.37%81.91%82.39%+1,063 bps
Liquid Assets / Assets6.59%6.34%9.57%7.31%7.98%5.66%5.07%4.39%-292 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a