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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 ’016.33%Q4 ’016.00%Q4 ’02+12%+10%

Non-interest income vs. expense

2.73%Q1 ’013.16%Q4 ’014.39%Q4 ’02+14%+41%

Executive Summary

  • Earnings: ROA of -0.78%, down 116 bps year over year; NIM at 3.61%.
  • 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 (quarter, annualized)

-0.78%-116 bps YoY

Net Interest Margin (quarter, annualized)

3.61%+34 bps YoY

Efficiency Ratio (quarter, annualized)

112.92%+2,275 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.38%0.43%1.05%1.54%-0.78%-116 bps
Return on Equity2.24%2.58%6.20%8.86%-4.52%-676 bps
Net Interest Margin3.27%3.06%3.17%3.52%3.61%+34 bps
Efficiency Ratio90.16%86.13%75.00%63.96%112.92%+2,275 bps
Non-Interest Burden2.93%2.61%2.34%2.19%4.11%+119 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