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First National Bank and Trust Company of Junction City, Kansas, The

Junction City, KS · Cert 4701

FDIC · 3 branches

Q3 2014

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: Q3 2014, the quarter ended September 30, 2014, 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 and Trust Company of Junction City, Kansas, The

Junction City, KS · Cert 4701

FDIC · 3 branches

Q3 2014

$107.4MAssets
$44.6MLoans
$68.7MDeposits
$15.5MEquity
Loan mix
87%RE $32.3M10%C&I $3.6M3%Consumer $1.1MQ3 2013Q3 2014
Deposit mix
87%Interest-bearing $59.5M13%Noninterest $9.2MQ3 2013Q3 2014

NIM

4.18%Q3 ’123.68%Q3 ’133.72%Q3 ’14-11%+6%

Non-interest income vs. expense

2.49%Q3 ’122.40%Q3 ’132.42%Q3 ’14-11%+28%

Executive Summary

  • Earnings: ROA of 1.49%, down 20 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 64.97% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

1.49%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+16 bps YoY

Efficiency Ratio (YTD, annualized)

60.29%+131 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets1.69%1.60%1.34%1.51%1.49%-20 bps
Return on Equity11.75%11.39%9.95%11.23%10.88%-87 bps
Net Interest Margin2.54%2.54%2.61%2.67%2.70%+16 bps
Efficiency Ratio58.98%58.25%62.82%61.21%60.29%+131 bps
Non-Interest Burden0.86%0.81%1.24%1.19%1.10%+24 bps
Growth
Asset Growth (YoY)-3.43%4.55%3.34%2.32%1.28%+471 bps
Loan Growth (YoY)-6.85%9.66%9.76%9.22%13.37%+2,022 bps
Deposit Growth (YoY)-1.70%5.06%3.41%6.59%-5.22%-352 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.47%-0.23%-0.01%0.09%0.06%+53 bps
Allowance / Loans2.21%1.80%1.91%1.83%1.83%-37 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 Capital16.10%14.28%15.43%14.13%15.24%-87 bps
Equity / Assets14.51%12.93%14.04%13.51%14.45%-6 bps
Liquidity & Funding
Loans / Deposits54.32%60.01%56.10%58.95%64.97%+1,065 bps
Liquid Assets / Assets0.12%0.20%0.15%0.09%0.01%-11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a