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First National Bank and Trust Company

Columbia, MO · Cert 4537

FDIC · 38 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 and Trust Company

Columbia, MO · Cert 4537

FDIC · 38 branches

Q4 2019

$3.6BAssets
$2.0BLoans
$3.1BDeposits
$449.9MEquity
Loan mix
81%RE $1.3B15%C&I $0.2B4%Consumer $0.1BQ4 2018Q4 2019
Deposit mix
77%Interest-bearing $2.4B23%Noninterest $0.7BQ4 2018Q4 2019

NIM

3.59%Q4 ’173.61%Q4 ’180.74%Q4 ’19-10%-79%

Non-interest income vs. expense

3.18%Q4 ’172.73%Q4 ’180.78%Q4 ’19-17%-64%

Market Position · Columbia, MO · 2019 SOD (annual) · 20.5% share · #2 of 39 inst. · $1.1B of $5.2B

23.2% Boone
24.9% Grayson
22.2% Pontotoc
18.8% Howell

Executive Summary

  • Earnings: ROA of -0.01%, down 95 bps year over year; NIM at 0.62%.
  • Asset quality: problem loans at 0.46% of loans (-3 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.84%, up 34 bps from a year ago.
  • Funding: loans stand at 64.66% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.01%-95 bps YoY

Net Interest Margin (YTD, annualized)

0.62%-229 bps YoY

Efficiency Ratio (YTD, annualized)

96.81%+2,920 bps YoY

Tier 1 Leverage Ratio

8.84%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.94%0.93%1.05%1.15%-0.01%-95 bps
Return on Equity11.02%11.00%12.32%13.37%-0.16%-1,118 bps
Net Interest Margin2.92%2.96%2.89%2.88%0.62%-229 bps
Efficiency Ratio67.61%70.90%68.83%67.13%96.81%+2,920 bps
Non-Interest Burden1.61%1.79%1.63%1.53%0.58%-103 bps
Growth
Asset Growth (YoY)11.95%10.93%10.12%8.84%13.55%+160 bps
Loan Growth (YoY)15.84%12.30%9.82%5.66%0.65%-1,519 bps
Deposit Growth (YoY)13.37%11.05%9.76%8.06%8.61%-476 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.41%0.40%0.41%0.46%-3 bps
Net Charge-Offs / Loans0.14%0.08%0.07%0.08%0.02%-12 bps
Allowance / Loans1.21%1.19%1.15%1.14%0.04%-116 bps
Allowance Coverage of NPLs2.4x2.9x2.9x2.8x0.1x-2.3x
Capital
Tier 1 Leverage Ratio8.50%8.46%8.44%8.61%8.84%+34 bps
Total Risk-Based Capital13.28%13.12%13.22%13.71%13.89%+61 bps
Equity / Assets8.40%8.43%8.66%9.02%12.65%+426 bps
Liquidity & Funding
Loans / Deposits69.78%68.90%69.70%69.38%64.66%-511 bps
Liquid Assets / Assets5.93%6.11%5.05%5.23%7.65%+171 bps
CRE / Total Capitaln/an/an/an/an/an/an/a