PackageTrendsPeer
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First National Bank of Kansas

Overland Park, KS · Cert 33789

FDIC

Q2 2010

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: Q2 2010, the quarter ended June 30, 2010, 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 of Kansas

Overland Park, KS · Cert 33789

FDIC

Q2 2010

$745.3MAssets
$565.7MLoans
$628.6MDeposits
$83.2MEquity
Loan mix
73%RE $167.6M26%C&I $60.2M1%Consumer $2.4MQ2 2009Q2 2010
Deposit mix
77%Interest-bearing $485.3M23%Noninterest $143.3MQ2 2009Q2 2010

NIM

6.17%Q2 ’086.42%Q2 ’094.10%Q2 ’10+43%-35%

Non-interest income vs. expense

2.60%Q2 ’083.02%Q2 ’093.34%Q2 ’10+19%+15%

Executive Summary

  • Earnings: ROA of 0.06%, up 90 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.16%.
  • Funding: loans stand at 90.00% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

0.06%1+90 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-181 bps YoY

Efficiency Ratio (YTD, annualized)

81.37%+3,051 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-0.84%-1.13%-1.11%0.97%0.06%1+90 bps
Return on Equity-11.82%-15.82%-14.80%9.79%0.55%+1,238 bps
Net Interest Margin5.12%5.71%6.19%3.22%3.31%-181 bps
Efficiency Ratio50.86%49.39%48.66%85.20%81.37%+3,051 bps
Non-Interest Burden2.20%2.39%2.55%2.63%2.54%+34 bps
Growth
Asset Growth (YoY)-11.78%-12.86%-17.77%-20.93%-20.22%-844 bps
Loan Growth (YoY)-24.99%-29.86%-36.22%-27.27%-18.49%+650 bps
Deposit Growth (YoY)-12.76%-12.68%-19.45%-24.32%-23.70%-1,095 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.36%5.51%5.84%2.73%2.16%-219 bps
Allowance / Loans3.33%4.34%5.50%1.78%2.45%-87 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 Capital12.37%13.24%16.72%23.45%24.79%+1,243 bps
Equity / Assets7.12%7.31%8.94%11.00%11.16%+404 bps
Liquidity & Funding
Loans / Deposits84.24%82.40%78.37%96.58%90.00%+576 bps
Liquid Assets / Assets20.74%19.77%19.01%0.21%5.85%-1,489 bps
CRE / Total Capitaln/an/an/an/an/an/an/a