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First National Bank

North Platte, NE · Cert 5449

FDIC

Q4 2013

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 2013, the quarter ended December 31, 2013, 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 2026-10-11

First National Bank

North Platte, NE · Cert 5449

FDIC

Q4 2013

$442.1MAssets
$324.0MLoans
$384.7MDeposits
$33.5MEquity
Loan mix
76%RE $133.9M16%C&I $28.6M8%Consumer $14.0MQ4 2012Q4 2013
Deposit mix
78%Interest-bearing $299.1M22%Noninterest $85.6MQ4 2012Q4 2013

NIM

4.14%Q4 ’113.52%Q4 ’123.40%Q4 ’13-11%0%

Non-interest income vs. expense

3.13%Q4 ’112.86%Q4 ’123.10%Q4 ’13-11%+13%

Executive Summary

  • Earnings: ROA of 0.63%, down 21 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 84.23% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

0.63%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.18%-2 bps YoY

Efficiency Ratio (YTD, annualized)

76.70%+666 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 Assets0.84%0.64%0.60%0.64%0.63%-21 bps
Return on Equity10.52%8.30%7.87%8.36%8.29%-223 bps
Net Interest Margin3.20%2.99%3.07%3.10%3.18%-2 bps
Efficiency Ratio70.04%79.95%76.88%75.69%76.70%+666 bps
Non-Interest Burden1.97%2.23%2.17%2.14%2.24%+26 bps
Growth
Asset Growth (YoY)5.65%0.34%0.42%0.97%-3.46%-911 bps
Loan Growth (YoY)-0.07%2.68%6.08%7.18%4.87%+493 bps
Deposit Growth (YoY)2.35%-2.39%-1.14%1.30%-1.74%-409 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.08%0.01%-0.04%-0.01%0 bps
Allowance / Loans0.96%0.86%0.88%0.95%0.92%-4 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 Capital13.65%13.54%12.08%12.01%12.05%-160 bps
Equity / Assets7.80%7.64%7.37%7.67%7.58%-22 bps
Liquidity & Funding
Loans / Deposits78.92%83.43%91.31%86.96%84.23%+531 bps
Liquid Assets / Assets9.75%8.44%3.78%3.94%5.75%-400 bps
CRE / Total Capitaln/an/an/an/an/an/an/a