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Fort Riley National Bank

Fort Riley, KS · Cert 19746

FDIC

Q1 2006

$29.7MAssets
$6.0MLoans
$25.3MDeposits
$4.3MEquity
Loan mix
68%RE $964K31%C&I $438K1%Consumer $12KQ1 2005Q1 2006
Deposit mix
47%Interest-bearing $11.8M53%Noninterest $13.5MQ1 2005Q1 2006

NIM

3.03%Q1 ’043.90%Q1 ’054.06%Q1 ’06+33%+2%

Non-interest income vs. expense

12.21%Q1 ’0413.93%Q1 ’0512.35%Q1 ’06+56%-57%

Executive Summary

  • Earnings: ROA of 1.63%, up 114 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.73%.
  • Funding: loans stand at 23.81% of deposits as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

1.63%+114 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+7 bps YoY

Efficiency Ratio (YTD, annualized)

83.90%-1,116 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.49%0.08%0.61%0.74%1.63%+114 bps
Return on Equity4.49%0.78%5.28%6.00%11.11%+662 bps
Net Interest Margin3.46%3.39%3.37%3.26%3.53%+7 bps
Efficiency Ratio95.06%97.81%93.84%91.77%83.90%-1,116 bps
Non-Interest Burden2.74%3.06%2.43%2.06%1.16%-157 bps
Growth
Asset Growth (YoY)-11.51%-7.32%-8.20%7.80%-2.04%+947 bps
Loan Growth (YoY)34.51%18.47%21.58%-6.86%-4.95%-3,946 bps
Deposit Growth (YoY)-13.65%-9.00%-13.11%4.16%-7.05%+659 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.57%0.68%1.18%1.29%3.73%+316 bps
Allowance / Loans0.76%0.92%0.63%0.91%0.68%-8 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 Capital30.76%30.14%40.57%42.75%43.05%+1,229 bps
Equity / Assets10.12%10.22%14.29%14.83%14.59%+447 bps
Liquidity & Funding
Loans / Deposits23.28%22.29%24.97%25.06%23.81%+53 bps
Liquid Assets / Assets15.24%18.44%23.66%24.95%23.96%+871 bps
CRE / Total Capitaln/an/an/an/an/an/an/a