First National Bank of Howard

Howard, KS · Cert 4692

FDIC · 1 branch

Q1 2015

$7.5MAssets

$2.7MLoans

$5.8MDeposits

$1.7MEquity

Loan mix

Deposit mix

NIM

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%.

Return on Assets (quarter, annualized)

0.67%+42 bps YoY

Net Interest Margin (quarter, annualized)

2.77%+68 bps YoY

Efficiency Ratio (quarter, annualized)

80.30%-1,044 bps YoY

Tier 1 Leverage Ratio

19.14%

Discrete quarter, annualized.

Metric	Q1 2014	Q2 2014	Q3 2014	Q4 2014	Q1 2015	YoY Δ	Trend
Earnings
Return on Assets	0.25%	0.84%	0.88%	0.69%	0.67%	+42 bps
Return on Equity	1.21%	3.85%	4.08%	3.37%	3.12%	+191 bps
Net Interest Margin	2.09%	2.47%	2.67%	2.76%	2.77%	+68 bps
Efficiency Ratio	90.74%	73.33%	74.24%	76.47%	80.30%	-1,044 bps
Non-Interest Burden	1.84%	1.63%	1.78%	1.97%	2.11%	+28 bps
Growth
Asset Growth (YoY)	-1.57%	-8.51%	-0.96%	-0.82%	-5.07%	-349 bps
Loan Growth (YoY)	8.87%	28.67%	29.22%	46.49%	-9.07%	-1,794 bps
Deposit Growth (YoY)	-1.84%	-10.91%	-1.15%	-1.04%	-6.55%	-471 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	1.19%	1.08%	1.03%	0.96%	1.31%	+12 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	19.14%	n/a	n/a
Total Risk-Based Capital	42.80%	42.34%	40.28%	39.41%	46.39%	+359 bps
Equity / Assets	21.03%	22.82%	20.66%	20.55%	22.35%	+132 bps
Liquidity & Funding
Loans / Deposits	47.32%	57.67%	53.17%	56.66%	46.05%	-128 bps
Liquid Assets / Assets	24.51%	32.42%	29.07%	35.32%	38.22%	+1,371 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a