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First National Bank

Sidney, NE · Cert 25127

FDIC · 11 branches

Q4 2019

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: Q4 2019, the quarter ended December 31, 2019, 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 2026-10-11

First National Bank

Sidney, NE · Cert 25127

FDIC · 11 branches

Q4 2019

$404.1MAssets
$222.3MLoans
$344.7MDeposits
$43.1MEquity
Loan mix
87%RE $136.4M9%C&I $13.6M5%Consumer $7.6MQ4 2018Q4 2019
Deposit mix
80%Interest-bearing $276.8M20%Noninterest $67.9MQ4 2018Q4 2019

NIM

3.52%Q4 ’174.00%Q4 ’184.10%Q4 ’19+10%-1%

Non-interest income vs. expense

2.13%Q4 ’172.28%Q4 ’182.24%Q4 ’19+6%-1%

Market Position · Cheyenne, WY · 2019 SOD (annual) · 1.8% share · #15 of 18 inst. · $0.0B of $1.8B

32.4% Cheyenne
18.6% Goshen
1.8% Laramie
5.1% Converse

Executive Summary

  • Earnings: ROA of 1.45%, unchanged from a year ago; NIM at 3.39%.
  • Asset quality: problem loans at 0.01% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.73%, down 35 bps from a year ago.
  • Funding: loans stand at 64.50% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

1.45%0 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-5 bps YoY

Efficiency Ratio (YTD, annualized)

60.80%+5 bps YoY

Tier 1 Leverage Ratio

9.73%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.44%1.48%1.43%1.41%1.45%0 bps
Return on Equity14.82%14.56%13.78%13.56%13.82%-101 bps
Net Interest Margin3.43%3.45%3.37%3.38%3.39%-5 bps
Efficiency Ratio60.75%59.80%61.16%61.62%60.80%+5 bps
Non-Interest Burden1.94%1.92%1.92%1.94%1.92%-2 bps
Growth
Asset Growth (YoY)7.04%-1.88%1.14%3.59%2.27%-477 bps
Loan Growth (YoY)22.17%6.57%2.88%1.40%-0.30%-2,248 bps
Deposit Growth (YoY)6.77%-2.02%2.06%0.96%1.54%-523 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.21%0.62%0.02%0.01%-8 bps
Net Charge-Offs / Loans-0.02%0.01%-0.01%0.01%0.00%+3 bps
Allowance / Loans2.01%1.99%2.02%2.01%2.01%0 bps
Allowance Coverage of NPLs21.4x9.6x3.2x87.7x203.3x+181.8x
Capital
Tier 1 Leverage Ratio10.07%10.04%9.82%9.81%9.73%-35 bps
Total Risk-Based Capital18.41%18.38%18.32%18.22%18.29%-11 bps
Equity / Assets9.90%10.38%10.74%10.60%10.66%+76 bps
Liquidity & Funding
Loans / Deposits65.69%67.38%65.62%65.77%64.50%-119 bps
Liquid Assets / Assets4.62%3.30%2.83%1.95%1.83%-278 bps
CRE / Total Capitaln/an/an/an/an/an/an/a