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Letter portraitLegal landscapeQuarterYTD

First National Bank of Onaga

Onaga, KS · Cert 26326

FDIC

Q3 2002

$175.3MAssets
$116.9MLoans
$116.5MDeposits
$13.7MEquity
Deposit mix
85%Interest-bearing $98.5M15%Noninterest $18.0MQ3 2001Q3 2002

NIM

7.68%Q1 ’016.91%Q3 ’015.27%Q3 ’02-11%-9%

Non-interest income vs. expense

4.08%Q1 ’013.97%Q3 ’013.61%Q3 ’02-16%-21%

Executive Summary

  • Earnings: ROA of 1.27%, down 2 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 100.38% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

1.27%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-30 bps YoY

Efficiency Ratio (YTD, annualized)

62.47%-234 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets1.29%1.22%1.16%1.15%1.27%-2 bps
Return on Equityn/an/a15.00%14.71%16.30%n/a
Net Interest Margin3.40%3.10%3.04%3.14%3.11%-30 bps
Efficiency Ratio64.81%66.36%63.55%64.53%62.47%-234 bps
Non-Interest Burden1.25%1.19%0.98%1.17%0.98%-26 bps
Growth
Asset Growth (YoY)9.55%30.36%20.22%26.67%26.44%+1,690 bps
Loan Growth (YoY)23.10%42.30%31.54%32.84%32.98%+988 bps
Deposit Growth (YoY)8.66%19.40%15.56%16.81%15.08%+642 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.01%0.00%0.00%0.04%+6 bps
Allowance / Loans1.20%1.12%1.13%1.14%1.14%-7 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 Capital10.87%11.54%11.44%11.24%11.24%+36 bps
Equity / Assets7.70%7.54%7.91%7.98%7.83%+13 bps
Liquidity & Funding
Loans / Deposits86.87%85.95%95.73%98.45%100.38%+1,351 bps
Liquid Assets / Assets0.04%0.05%0.01%0.01%0.01%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a