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First National Bank of Hoxie, The

Hoxie, KS · Cert 4694

FDIC

Q1 2006

$62.7MAssets
$31.0MLoans
$40.4MDeposits
$7.5MEquity
Deposit mix
85%Interest-bearing $34.6M15%Noninterest $5.9MQ1 2005Q1 2006

NIM

4.97%Q1 ’044.96%Q1 ’055.74%Q1 ’06-7%+5%

Non-interest income vs. expense

2.14%Q1 ’042.31%Q1 ’052.70%Q1 ’06+11%+20%

Executive Summary

  • Earnings: ROA of 0.69%, up 3 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 76.74% of deposits as of Q1 2006.

Financial Results

Return on Assets (quarter, annualized)

0.69%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.25%+16 bps YoY

Efficiency Ratio (quarter, annualized)

82.61%+976 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.66%0.85%0.76%0.83%0.69%+3 bps
Return on Equity6.27%7.89%6.85%7.26%5.94%-33 bps
Net Interest Margin3.09%3.19%3.21%3.39%3.25%+16 bps
Efficiency Ratio72.85%69.00%68.76%66.61%82.61%+976 bps
Non-Interest Burden2.23%2.18%2.18%2.20%2.68%+45 bps
Growth
Asset Growth (YoY)4.65%8.69%-0.66%-3.85%-6.63%-1,128 bps
Loan Growth (YoY)5.09%9.71%-0.29%-0.90%-2.38%-747 bps
Deposit Growth (YoY)-3.66%-0.32%-1.47%-3.85%-1.14%+252 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.00%1.23%-0.21%0.19%+9 bps
Allowance / Loans1.88%1.75%1.44%1.54%1.59%-29 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 Capital20.11%19.57%19.86%20.71%21.58%+147 bps
Equity / Assets10.73%10.84%11.31%11.51%11.88%+115 bps
Liquidity & Funding
Loans / Deposits77.72%83.87%85.05%79.57%76.74%-98 bps
Liquid Assets / Assets0.06%0.06%0.06%0.06%0.07%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a