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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 (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%
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%

Discrete quarter, annualized.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.75%0.15%0.00%0.25%0.84%0.88%0.69%0.67%+42 bps
Return on Equity3.62%0.72%0.00%1.21%3.85%4.08%3.37%3.12%+191 bps
Net Interest Margin1.89%1.92%1.90%2.09%2.47%2.67%2.76%2.77%+68 bps
Efficiency Ratio69.81%94.12%100.00%90.74%73.33%74.24%76.47%80.30%-1,044 bps
Non-Interest Burden1.11%1.77%1.90%1.84%1.63%1.78%1.97%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