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Fremont National Bank and Trust Company, The

Fremont, NE · Cert 5402

FDIC

Q4 2013

$302.2MAssets
$183.0MLoans
$273.0MDeposits
$21.8MEquity
Loan mix
82%RE $99.5M17%C&I $20.3M2%Consumer $2.2MQ4 2012Q4 2013
Deposit mix
69%Interest-bearing $187.5M31%Noninterest $85.5MQ4 2012Q4 2013

NIM

3.82%Q4 ’113.26%Q4 ’123.11%Q4 ’13-10%-2%

Non-interest income vs. expense

3.05%Q4 ’113.02%Q4 ’123.43%Q4 ’13-5%+27%

Executive Summary

  • Earnings: ROA of 0.75%, down 20 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 67.02% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

0.75%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.97%-5 bps YoY

Efficiency Ratio (YTD, annualized)

77.37%+1,009 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.95%0.91%0.79%0.84%0.75%-20 bps
Return on Equity11.77%11.50%10.22%10.98%9.93%-183 bps
Net Interest Margin3.02%2.85%2.82%2.95%2.97%-5 bps
Efficiency Ratio67.29%79.48%76.79%74.96%77.37%+1,009 bps
Non-Interest Burden1.55%1.97%1.84%1.84%1.96%+42 bps
Growth
Asset Growth (YoY)1.69%-1.98%-2.72%-5.63%-3.54%-523 bps
Loan Growth (YoY)-4.24%7.89%8.33%4.48%5.97%+1,021 bps
Deposit Growth (YoY)1.53%-1.73%-0.23%-4.34%-2.65%-418 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.00%0.00%-0.06%-0.04%-15 bps
Allowance / Loans0.89%0.78%0.78%0.78%0.77%-12 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 Capital19.60%19.02%17.77%17.26%17.36%-224 bps
Equity / Assets8.05%7.74%7.45%7.43%7.21%-84 bps
Liquidity & Funding
Loans / Deposits61.57%65.97%68.70%70.06%67.02%+545 bps
Liquid Assets / Assets10.93%8.96%7.93%6.17%8.33%-260 bps
CRE / Total Capitaln/an/an/an/an/an/an/a