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First National Bank

Abilene, KS · Cert 4609

FDIC

Q4 2006

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 2006, the quarter ended December 31, 2006, 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

Abilene, KS · Cert 4609

FDIC

Q4 2006

$97.7MAssets
$52.9MLoans
$86.7MDeposits
$6.6MEquity
Loan mix
87%RE $26.6M13%C&I $4.0M0%Consumer $0.1MQ4 2005Q4 2006
Deposit mix
84%Interest-bearing $73.1M16%Noninterest $13.5MQ4 2005Q4 2006

NIM

4.56%Q4 ’044.73%Q4 ’055.30%Q4 ’06+1%-7%

Non-interest income vs. expense

2.02%Q4 ’042.05%Q4 ’052.26%Q4 ’06+4%+16%

Executive Summary

  • Earnings: ROA of 1.32%, down 5 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 60.99% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

1.32%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.95%-22 bps YoY

Efficiency Ratio (YTD, annualized)

61.29%+874 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.37%1.16%1.17%1.30%1.32%-5 bps
Return on Equity18.49%16.64%17.33%18.97%19.39%+90 bps
Net Interest Margin3.17%2.94%2.95%2.96%2.95%-22 bps
Efficiency Ratio52.55%66.08%61.59%59.96%61.29%+874 bps
Non-Interest Burden1.32%1.71%1.54%1.47%1.52%+21 bps
Growth
Asset Growth (YoY)-2.12%-3.27%-3.58%-1.16%-6.18%-405 bps
Loan Growth (YoY)-3.61%-6.87%-7.34%4.10%1.09%+470 bps
Deposit Growth (YoY)-6.15%-4.89%-4.54%-3.51%-1.28%+487 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%-0.02%0.00%0.00%0 bps
Allowance / Loans1.43%1.53%1.57%1.52%1.41%-1 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 Capital16.04%15.08%14.60%15.06%13.99%-205 bps
Equity / Assets7.35%6.61%6.22%7.10%6.73%-62 bps
Liquidity & Funding
Loans / Deposits59.55%55.52%53.66%55.89%60.99%+143 bps
Liquid Assets / Assets0.00%0.01%0.01%0.01%0.01%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a