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First National Bank

Lamar, MO · Cert 4581

FDIC

Q3 2004

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: Q3 2004, the quarter ended September 30, 2004, 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

Lamar, MO · Cert 4581

FDIC

Q3 2004

$44.8MAssets
$32.8MLoans
$34.5MDeposits
$4.8MEquity
Deposit mix
87%Interest-bearing $29.9M13%Noninterest $4.6MQ3 2003Q3 2004

NIM

6.95%Q3 ’025.96%Q3 ’036.00%Q3 ’04-7%+9%

Non-interest income vs. expense

2.52%Q3 ’022.86%Q3 ’033.08%Q3 ’04+18%+4%

Executive Summary

  • Earnings: ROA of 1.90%, up 110 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.30%.
  • Funding: loans stand at 94.96% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

1.90%+110 bps YoY

Net Interest Margin (YTD, annualized)

4.20%+34 bps YoY

Efficiency Ratio (YTD, annualized)

61.58%-158 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.80%0.96%1.78%1.84%1.90%+110 bps
Return on Equity7.74%9.25%18.15%18.67%18.87%+1,113 bps
Net Interest Margin3.86%3.85%4.12%4.01%4.20%+34 bps
Efficiency Ratio63.16%62.12%59.59%62.29%61.58%-158 bps
Non-Interest Burden2.19%2.14%2.17%2.20%2.28%+9 bps
Growth
Asset Growth (YoY)0.71%1.10%-0.53%-4.39%-4.77%-548 bps
Loan Growth (YoY)-2.31%-2.19%-4.01%-5.29%-5.29%-297 bps
Deposit Growth (YoY)1.16%1.86%1.13%-4.78%-5.87%-703 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.56%0.67%-0.84%-0.44%-0.30%-86 bps
Allowance / Loans1.22%1.09%1.36%1.35%1.37%+16 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 Capital15.20%15.56%14.78%15.27%16.15%+95 bps
Equity / Assets10.23%10.36%9.27%9.89%10.76%+53 bps
Liquidity & Funding
Loans / Deposits94.37%92.47%85.95%92.83%94.96%+59 bps
Liquid Assets / Assets1.16%1.16%1.08%0.07%0.10%-107 bps
CRE / Total Capitaln/an/an/an/an/an/an/a