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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

$107.4MAssets
$44.6MLoans
$68.7MDeposits
$15.5MEquity
Loan mix
87%RE $32.3M10%C&I $3.6M3%Consumer $1.1MQ4 2012Q3 2014
Deposit mix
87%Interest-bearing $59.5M13%Noninterest $9.2MQ4 2012Q3 2014

Executive Summary

  • 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
n/a

NIM

4.07%Q3 ’123.68%Q3 ’133.71%Q3 ’14-8%+5%

Non-interest income vs. expense

2.45%Q3 ’122.39%Q3 ’132.53%Q3 ’14+52%-12%

Discrete quarter, annualized.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets1.64%1.48%2.13%1.45%1.40%1.34%1.69%1.45%0 bps
Return on Equity11.73%10.25%14.79%10.14%10.19%9.95%12.29%10.37%+23 bps
Net Interest Margin2.65%2.35%2.56%2.57%2.60%2.61%2.66%2.69%+12 bps
Efficiency Ratio44.01%58.35%57.89%60.81%56.22%62.82%59.64%58.62%-218 bps
Non-Interest Burden0.07%0.74%0.78%1.03%0.69%1.24%1.10%0.91%-12 bps
Growth
Asset Growth (YoY)0.97%0.00%1.29%-3.43%4.55%3.34%2.32%1.28%+471 bps
Loan Growth (YoY)-3.06%-5.83%-1.18%-6.85%9.66%9.76%9.22%13.37%+2,022 bps
Deposit Growth (YoY)-1.85%-0.94%-2.61%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.84%-1.26%-0.11%-0.02%0.27%-0.01%0.19%-0.01%+1 bps
Allowance / Loans1.65%2.14%2.12%2.21%1.80%1.91%1.83%1.83%-37 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/an/an/an/a
Total Risk-Based Capital13.81%15.01%15.44%16.10%14.28%15.43%14.13%15.24%-87 bps
Equity / Assets14.11%14.80%14.06%14.51%12.93%14.04%13.51%14.45%-6 bps
Liquidity & Funding
Loans / Deposits57.49%52.86%57.53%54.32%60.01%56.10%58.95%64.97%+1,065 bps
Liquid Assets / Assets0.23%0.17%0.25%0.12%0.20%0.15%0.09%0.01%-11 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a