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Letter portraitLegal landscapeQuarterYTD

First National Bank of Elwood

Elwood, NE · Cert 5398

FDIC

Q4 2002

$22.0MAssets
$5.4MLoans
$18.2MDeposits
$3.7MEquity
Deposit mix
87%Interest-bearing $15.8M13%Noninterest $2.4MQ4 2001Q4 2002

NIM

6.72%Q1 ’016.51%Q4 ’015.91%Q4 ’02+3%+11%

Non-interest income vs. expense

2.73%Q1 ’012.63%Q4 ’013.01%Q4 ’02-5%+15%

Executive Summary

  • Earnings: ROA of 0.55%, up 2 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 29.62% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

0.55%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+32 bps YoY

Efficiency Ratio (YTD, annualized)

85.11%+317 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.53%0.43%0.74%1.01%0.55%+2 bps
Return on Equityn/a2.58%4.39%5.90%3.26%n/a
Net Interest Margin3.01%3.06%3.11%3.28%3.33%+32 bps
Efficiency Ratio81.94%86.13%80.45%74.55%85.11%+317 bps
Non-Interest Burden2.43%2.61%2.47%2.40%2.81%+37 bps
Growth
Asset Growth (YoY)5.85%3.68%5.44%3.97%1.67%-418 bps
Loan Growth (YoY)0.53%0.30%-2.81%-0.59%-8.70%-923 bps
Deposit Growth (YoY)6.03%4.07%5.79%3.92%1.32%-471 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.47%2.76%2.46%2.21%2.71%+24 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 Capital43.79%45.49%40.90%39.77%42.99%-80 bps
Equity / Assets16.53%16.82%17.05%17.74%16.83%+30 bps
Liquidity & Funding
Loans / Deposits32.87%30.02%33.52%38.15%29.62%-325 bps
Liquid Assets / Assets51.39%60.41%59.28%54.87%60.39%+900 bps
CRE / Total Capitaln/an/an/an/an/an/an/a