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

Deposit mix

NIM

Earnings: ROA of 1.45%, unchanged from a year ago; NIM at 2.69%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
Funding: loans stand at 64.97% of deposits as of Q3 2014.

Return on Assets (quarter, annualized)

1.45%0 bps YoY

Net Interest Margin (quarter, annualized)

2.69%+12 bps YoY

Efficiency Ratio (quarter, annualized)

58.62%-218 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	1.45%	1.40%	1.34%	1.69%	1.45%	0 bps
Return on Equity	10.14%	10.19%	9.95%	12.29%	10.37%	+23 bps
Net Interest Margin	2.57%	2.60%	2.61%	2.66%	2.69%	+12 bps
Efficiency Ratio	60.81%	56.22%	62.82%	59.64%	58.62%	-218 bps
Non-Interest Burden	1.03%	0.69%	1.24%	1.10%	0.91%	-12 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-0.02%	0.27%	-0.01%	0.19%	-0.01%	+1 bps
Allowance / Loans	2.21%	1.80%	1.91%	1.83%	1.83%	-37 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	n/a	n/a	n/a
Total Risk-Based Capital	16.10%	14.28%	15.43%	14.13%	15.24%	-87 bps
Equity / Assets	14.51%	12.93%	14.04%	13.51%	14.45%	-6 bps
Liquidity & Funding
Loans / Deposits	54.32%	60.01%	56.10%	58.95%	64.97%	+1,065 bps
Liquid Assets / Assets	0.12%	0.20%	0.15%	0.09%	0.01%	-11 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a