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First National Bank-West

Evanston, WY · Cert 16522

FDIC

Q1 2012

$768.0MAssets
$234.6MLoans
$538.9MDeposits
$97.5MEquity
Loan mix
68%RE $139.1M22%C&I $46.0M10%Consumer $20.4MQ1 2011Q1 2012
Deposit mix
83%Interest-bearing $446.3M17%Noninterest $92.6MQ1 2011Q1 2012

NIM

4.46%Q1 ’103.61%Q1 ’113.22%Q1 ’12-20%-11%

Non-interest income vs. expense

2.31%Q1 ’102.05%Q1 ’111.85%Q1 ’12-10%-18%

Executive Summary

  • Earnings: ROA of 0.95%, up 35 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 43.54% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

0.95%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.72%-33 bps YoY

Efficiency Ratio (YTD, annualized)

55.96%-180 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.60%0.83%-2.15%-1.36%0.95%+35 bps
Return on Equity4.12%5.71%-15.39%-10.03%7.75%+362 bps
Net Interest Margin3.05%3.06%2.96%2.89%2.72%-33 bps
Efficiency Ratio57.76%56.46%55.74%56.13%55.96%-180 bps
Non-Interest Burden1.68%1.62%4.48%3.70%1.38%-31 bps
Growth
Asset Growth (YoY)17.86%17.17%17.48%9.71%3.06%-1,479 bps
Loan Growth (YoY)-8.16%-9.70%-9.42%-8.74%-10.24%-209 bps
Deposit Growth (YoY)13.97%4.38%15.80%14.22%14.85%+87 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%2.06%1.76%1.58%-0.04%-13 bps
Allowance / Loans4.37%3.62%3.60%3.52%3.71%-66 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 Capital18.46%18.65%18.95%19.48%20.52%+207 bps
Equity / Assets14.30%14.53%12.26%11.97%12.69%-161 bps
Liquidity & Funding
Loans / Deposits55.71%51.81%47.73%45.40%43.54%-1,217 bps
Liquid Assets / Assets0.02%0.05%0.23%0.31%0.11%+10 bps
CRE / Total Capitaln/an/an/an/an/an/an/a