PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Anthony

Anthony, KS · Cert 4614

FDIC

Q1 2009

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: Q1 2009, the quarter ended March 31, 2009, 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 Anthony

Anthony, KS · Cert 4614

FDIC

Q1 2009

$157.0MAssets
$127.3MLoans
$142.6MDeposits
$3.5MEquity
Loan mix
81%RE $85.6M19%C&I $20.3M0%Consumer $0.1MQ1 2008Q1 2009
Deposit mix
82%Interest-bearing $117.5M18%Noninterest $25.0MQ1 2008Q1 2009

NIM

7.08%Q1 ’076.67%Q1 ’084.70%Q1 ’09-6%-32%

Non-interest income vs. expense

3.84%Q1 ’073.69%Q1 ’085.00%Q1 ’09-5%+53%

Executive Summary

  • Earnings: ROA of -12.70%, down 1,317 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.44%.
  • Funding: loans stand at 89.32% of deposits as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-12.70%-1,317 bps YoY

Net Interest Margin (YTD, annualized)

2.60%-121 bps YoY

Efficiency Ratio (YTD, annualized)

161.72%+8,206 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets0.48%-1.31%-0.86%-2.58%-12.70%-1,317 bps
Return on Equity6.04%-17.57%-11.68%-37.27%-339%-34,467 bps
Net Interest Margin3.81%3.48%3.43%3.44%2.60%-121 bps
Efficiency Ratio79.66%82.69%86.86%92.32%161.72%+8,206 bps
Non-Interest Burden2.98%2.85%3.00%3.22%4.57%+159 bps
Growth
Asset Growth (YoY)14.38%16.51%9.22%-1.43%-7.27%-2,164 bps
Loan Growth (YoY)19.10%19.58%12.83%0.52%-6.01%-2,511 bps
Deposit Growth (YoY)8.69%12.62%4.44%-4.55%-0.64%-932 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.48%0.73%2.14%5.44%+546 bps
Allowance / Loans1.35%2.08%1.89%2.72%4.81%+346 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 Capital10.73%8.76%9.15%6.93%3.34%-739 bps
Equity / Assets7.86%6.63%6.92%5.19%2.24%-562 bps
Liquidity & Funding
Loans / Deposits94.43%96.69%93.25%94.29%89.32%-511 bps
Liquid Assets / Assets1.19%1.14%1.17%1.23%0.55%-64 bps
CRE / Total Capitaln/an/an/an/an/an/an/a