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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 $14.0MQ1 2012Q4 2013
Deposit mix
78%Interest-bearing $299.1M22%Noninterest $85.6MQ1 2012Q4 2013

Executive Summary

  • Earnings: ROA of 0.61%, unchanged from a year ago; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 84.23% of deposits as of Q4 2013.

Return on Assets (quarter, annualized)

0.61%0 bps YoY

Net Interest Margin (quarter, annualized)

3.21%+14 bps YoY

Efficiency Ratio (quarter, annualized)

79.75%+515 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.92%Q4 ’113.33%Q4 ’123.41%Q4 ’13-11%+5%

Non-interest income vs. expense

3.03%Q4 ’112.93%Q4 ’123.21%Q4 ’13-6%+16%

Discrete quarter, annualized.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.72%1.10%0.92%0.62%0.64%0.56%0.71%0.61%0 bps
Return on Equity9.23%14.01%11.08%7.55%8.30%7.43%9.44%8.07%+51 bps
Net Interest Margin3.28%3.37%3.29%3.07%2.99%3.14%3.17%3.21%+14 bps
Efficiency Ratio69.87%66.66%69.34%74.59%79.95%73.88%73.43%79.75%+515 bps
Non-Interest Burden2.03%1.96%1.97%2.07%2.23%2.10%2.08%2.39%+32 bps
Growth
Asset Growth (YoY)6.36%-5.19%3.10%5.65%0.34%0.42%0.97%-3.46%-911 bps
Loan Growth (YoY)5.75%3.43%0.65%-0.07%2.68%6.08%7.18%4.87%+493 bps
Deposit Growth (YoY)6.32%-10.42%1.09%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%-0.45%0.06%0.31%0.08%-0.05%-0.14%0.08%-23 bps
Allowance / Loans1.02%1.00%1.00%0.96%0.86%0.88%0.95%0.92%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital13.81%13.49%14.37%13.65%13.54%12.08%12.01%12.05%-160 bps
Equity / Assets7.73%7.97%8.57%7.80%7.64%7.37%7.67%7.58%-22 bps
Liquidity & Funding
Loans / Deposits79.31%85.10%82.19%78.92%83.43%91.31%86.96%84.23%+531 bps
Liquid Assets / Assets6.11%5.27%5.26%9.75%8.44%3.78%3.94%5.75%-400 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a