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Farmers National Bank of Kansas

Walnut, KS · Cert 16942

FDIC

Q3 2012

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: Q3 2012, the quarter ended September 30, 2012, 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 2026-10-10

Farmers National Bank of Kansas

Walnut, KS · Cert 16942

FDIC

Q3 2012

$41.2MAssets
$30.3MLoans
$36.9MDeposits
$4.1MEquity
Loan mix
72%RE $14.9M15%C&I $3.1M13%Consumer $2.7MQ3 2011Q3 2012
Deposit mix
82%Interest-bearing $30.2M18%Noninterest $6.7MQ3 2011Q3 2012

NIM

5.38%Q3 ’104.67%Q3 ’114.45%Q3 ’12-8%+2%

Non-interest income vs. expense

3.23%Q3 ’102.91%Q3 ’112.95%Q3 ’12-9%+1%

Executive Summary

  • Earnings: ROA of 0.79%, up 9 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 82.13% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.79%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+8 bps YoY

Efficiency Ratio (YTD, annualized)

70.12%-66 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.70%0.73%0.74%0.79%0.79%+9 bps
Return on Equity7.58%7.94%8.02%8.44%8.35%+77 bps
Net Interest Margin3.71%3.72%3.75%3.76%3.80%+8 bps
Efficiency Ratio70.78%70.56%71.33%69.75%70.12%-66 bps
Non-Interest Burden2.51%2.50%2.56%2.50%2.54%+3 bps
Growth
Asset Growth (YoY)12.37%11.21%3.67%-1.75%0.01%-1,235 bps
Loan Growth (YoY)2.56%0.99%0.11%-4.17%-1.50%-406 bps
Deposit Growth (YoY)13.18%11.93%3.43%-2.65%-0.70%-1,388 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.00%-0.01%-0.01%0.01%-7 bps
Allowance / Loans0.98%1.08%1.08%1.09%1.07%+9 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 Capital14.11%14.65%14.66%15.27%15.32%+121 bps
Equity / Assets9.42%9.27%9.12%9.71%9.96%+55 bps
Liquidity & Funding
Loans / Deposits82.79%79.06%76.56%79.64%82.13%-66 bps
Liquid Assets / Assets0.00%0.00%0.70%7.10%6.55%+655 bps
CRE / Total Capitaln/an/an/an/an/an/an/a