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First National Bank of Howard

Howard, KS · Cert 4692

FDIC · 1 branch

Q1 2015

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 2015, the quarter ended March 31, 2015, 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 Howard

Howard, KS · Cert 4692

FDIC · 1 branch

Q1 2015

$7.5MAssets
$2.7MLoans
$5.8MDeposits
$1.7MEquity
Loan mix
88%RE $1.1M2%C&I $0.0M10%Consumer $0.1MQ2 2013Q1 2015
Deposit mix
67%Interest-bearing $3.9M33%Noninterest $1.9MQ2 2013Q1 2015

Executive Summary

  • Earnings: ROA of 0.67%, up 42 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.14%.
  • Funding: loans stand at 46.05% of deposits as of Q1 2015.

Return on Assets (YTD, annualized)

0.67%+42 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+68 bps YoY

Efficiency Ratio (YTD, annualized)

80.30%-1,044 bps YoY

Tier 1 Leverage Ratio

19.14%
n/a

NIM

2.09%Q1 ’132.24%Q1 ’142.92%Q1 ’15+10%+33%

Non-interest income vs. expense

2.42%Q1 ’132.44%Q1 ’142.67%Q1 ’15-1%+15%

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.37%0.30%0.23%0.25%0.54%0.65%0.66%0.67%+42 bps
Return on Equity1.93%1.53%1.15%1.21%2.53%3.05%3.13%3.12%+191 bps
Net Interest Margin1.91%1.93%1.91%2.09%2.34%2.44%2.41%2.77%+68 bps
Efficiency Ratio83.81%87.18%90.29%90.74%81.58%78.89%78.23%80.30%-1,044 bps
Non-Interest Burden1.50%1.61%1.66%1.84%1.79%1.78%1.75%2.11%+28 bps
Growth
Asset Growth (YoY)4.42%0.36%-16.98%-1.57%-8.51%-0.96%-0.82%-5.07%-349 bps
Loan Growth (YoY)-19.30%-13.54%-5.17%8.87%28.67%29.22%46.49%-9.07%-1,794 bps
Deposit Growth (YoY)5.84%0.41%-20.37%-1.84%-10.91%-1.15%-1.04%-6.55%-471 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.39%1.34%1.41%1.19%1.08%1.03%0.96%1.31%+12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a19.14%n/an/a
Total Risk-Based Capital44.68%45.59%46.55%42.80%42.34%40.28%39.41%46.39%+359 bps
Equity / Assets20.67%20.40%20.30%21.03%22.82%20.66%20.55%22.35%+132 bps
Liquidity & Funding
Loans / Deposits39.93%40.67%38.28%47.32%57.67%53.17%56.66%46.05%-128 bps
Liquid Assets / Assets13.06%14.63%26.95%24.51%32.42%29.07%35.32%38.22%+1,371 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a