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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

3.50%Q4 ’113.18%Q4 ’123.02%Q4 ’13-4%-3%

Non-interest income vs. expense

3.05%Q4 ’112.95%Q4 ’123.68%Q4 ’13-21%+57%

Executive Summary

  • Earnings: ROA of 0.49%, down 59 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 67.02% of deposits as of Q4 2013.

Financial Results

Return on Assets (quarter, annualized)

0.49%-59 bps YoY

Net Interest Margin (quarter, annualized)

2.90%-10 bps YoY

Efficiency Ratio (quarter, annualized)

84.85%+1,952 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets1.07%0.91%0.67%0.94%0.49%-59 bps
Return on Equity12.95%11.50%8.83%12.61%6.63%-631 bps
Net Interest Margin3.00%2.85%2.85%2.98%2.90%-10 bps
Efficiency Ratio65.32%79.48%74.12%71.37%84.85%+1,952 bps
Non-Interest Burden1.43%1.97%1.76%1.70%2.24%+81 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 / Loans-0.08%0.00%0.00%-0.19%0.02%+10 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