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Fullerton National Bank

Fullerton, NE · Cert 5406

FDIC · 1 branch

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Fullerton National Bank

Fullerton, NE · Cert 5406

FDIC · 1 branch

Q4 2017

$44.9MAssets
$32.2MLoans
$30.1MDeposits
$5.4MEquity
Loan mix
59%RE $8.7M33%C&I $4.8M8%Consumer $1.2MQ4 2016Q4 2017
Deposit mix
81%Interest-bearing $24.4M19%Noninterest $5.6MQ4 2016Q4 2017

NIM

4.20%Q4 ’154.18%Q4 ’164.32%Q4 ’17-2%+3%

Non-interest income vs. expense

2.14%Q4 ’152.21%Q4 ’162.22%Q4 ’17+6%0%

Executive Summary

  • Earnings: ROA of 1.54%, up 8 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 0.01%.
  • Capital: tier 1 leverage ratio of 11.91%, up 74 bps from a year ago.
  • Funding: loans stand at 107.23% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

1.54%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+9 bps YoY

Efficiency Ratio (YTD, annualized)

57.27%-132 bps YoY

Tier 1 Leverage Ratio

11.91%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets1.45%1.42%1.45%1.57%1.54%+8 bps
Return on Equity13.20%12.68%12.89%13.80%13.39%+19 bps
Net Interest Margin3.52%3.49%3.50%3.56%3.61%+9 bps
Efficiency Ratio58.60%58.94%58.45%56.64%57.27%-132 bps
Non-Interest Burden1.96%1.96%1.94%1.91%1.96%0 bps
Growth
Asset Growth (YoY)4.69%-0.85%0.53%-0.61%-4.24%-892 bps
Loan Growth (YoY)-0.55%1.11%3.64%2.08%2.82%+337 bps
Deposit Growth (YoY)4.24%-1.42%-7.39%-2.89%-5.15%-939 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.01%0.22%0.00%0 bps
Net Charge-Offs / Loans0.16%0.00%0.00%0.00%0.01%-15 bps
Allowance / Loans1.84%1.83%1.79%1.76%1.89%+5 bps
Allowance Coverage of NPLsn/a146.0x196.7x7.9xn/an/a
Capital
Tier 1 Leverage Ratio11.17%11.69%11.59%11.80%11.91%+74 bps
Total Risk-Based Capital14.97%15.73%15.36%15.49%16.27%+130 bps
Equity / Assets10.65%11.77%11.46%11.59%12.01%+136 bps
Liquidity & Funding
Loans / Deposits98.91%99.45%111.18%111.26%107.23%+832 bps
Liquid Assets / Assets23.86%19.42%19.31%18.93%20.38%-348 bps
CRE / Total Capitaln/an/an/an/an/an/an/a