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Bremer Bank, National Association

International Falls, MN · Cert 9343

FDIC · 1 branch

Q3 2014

$106.0MAssets
$44.0MLoans
$84.8MDeposits
$8.2MEquity
Loan mix
75%RE $30.9M14%C&I $5.8M11%Consumer $4.3MQ3 2013Q3 2014
Deposit mix
77%Interest-bearing $65.5M23%Noninterest $19.3MQ3 2013Q3 2014

NIM

3.40%Q3 ’123.13%Q3 ’133.08%Q3 ’14-1%+0%

Non-interest income vs. expense

2.31%Q3 ’122.34%Q3 ’132.45%Q3 ’14+4%+5%

Executive Summary

  • Earnings: ROA of 0.91%, down 8 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 51.93% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.91%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+1 bps YoY

Efficiency Ratio (YTD, annualized)

66.43%+217 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.99%0.91%0.98%0.93%0.91%-8 bps
Return on Equity14.06%13.11%14.82%13.37%12.69%-137 bps
Net Interest Margin2.91%2.75%2.69%2.88%2.92%+1 bps
Efficiency Ratio64.26%65.76%65.63%66.25%66.43%+217 bps
Non-Interest Burden1.61%1.58%1.52%1.65%1.69%+8 bps
Growth
Asset Growth (YoY)-1.68%-4.30%9.93%-3.35%-5.17%-349 bps
Loan Growth (YoY)-1.52%-9.10%-7.74%-8.14%-9.36%-784 bps
Deposit Growth (YoY)-1.18%-3.82%-2.74%-2.48%-5.29%-411 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.07%-0.01%0.03%0.02%0 bps
Allowance / Loans1.63%1.63%1.66%1.68%1.74%+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 Capital15.98%16.20%16.97%16.37%16.87%+89 bps
Equity / Assets7.07%6.78%6.40%7.93%7.78%+71 bps
Liquidity & Funding
Loans / Deposits54.26%49.51%51.85%54.19%51.93%-233 bps
Liquid Assets / Assets33.73%23.82%23.49%8.75%8.31%-2,542 bps
CRE / Total Capitaln/an/an/an/an/an/an/a