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First National Bank of Wayne

Wayne, NE · Cert 5489

FDIC · 3 branches

Q4 2014

$42.2MAssets
$20.9MLoans
$38.4MDeposits
$3.8MEquity
Loan mix
32%RE $4.2M57%C&I $7.5M11%Consumer $1.4MQ4 2013Q4 2014
Deposit mix
72%Interest-bearing $27.6M28%Noninterest $10.8MQ4 2013Q4 2014

NIM

2.87%Q4 ’122.90%Q4 ’132.81%Q4 ’14+2%-3%

Non-interest income vs. expense

3.23%Q4 ’123.05%Q4 ’132.86%Q4 ’14-9%-4%

Executive Summary

  • Earnings: ROA of 0.35%, up 7 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.11%.
  • Funding: loans stand at 54.46% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.35%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.60%-7 bps YoY

Efficiency Ratio (YTD, annualized)

86.81%-136 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.28%-0.22%0.03%0.21%0.35%+7 bps
Return on Equity3.35%-2.75%0.35%2.62%4.22%+86 bps
Net Interest Margin2.67%2.56%2.46%2.50%2.60%-7 bps
Efficiency Ratio88.18%88.41%89.91%87.79%86.81%-136 bps
Non-Interest Burden2.26%2.20%2.15%2.11%2.16%-9 bps
Growth
Asset Growth (YoY)-4.29%-0.49%5.09%11.15%4.10%+839 bps
Loan Growth (YoY)28.48%25.47%23.80%11.72%7.03%-2,145 bps
Deposit Growth (YoY)-3.56%0.31%8.31%15.66%3.82%+738 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.08%0.68%0.24%-0.15%-0.11%-3 bps
Allowance / Loans1.14%0.98%0.93%1.17%1.03%-11 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 Capital16.51%16.24%15.67%16.05%15.99%-52 bps
Equity / Assets8.08%8.04%8.08%8.12%9.01%+93 bps
Liquidity & Funding
Loans / Deposits52.82%49.93%52.89%51.20%54.46%+163 bps
Liquid Assets / Assets0.05%6.45%8.49%9.10%6.55%+651 bps
CRE / Total Capitaln/an/an/an/an/an/an/a