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First National Bank and Trust Company of Leavenworth

Leavenworth, KS · Cert 4712

FDIC

Q1 2011

$101.3MAssets
$73.0MLoans
$85.7MDeposits
$10.2MEquity
Loan mix
51%RE $34.6M6%C&I $4.2M43%Consumer $29.4MQ1 2010Q1 2011
Deposit mix
71%Interest-bearing $60.6M29%Noninterest $25.1MQ1 2010Q1 2011

NIM

5.68%Q1 ’095.06%Q1 ’104.49%Q1 ’11-3%-4%

Non-interest income vs. expense

3.23%Q1 ’093.30%Q1 ’103.47%Q1 ’11+2%+5%

Executive Summary

  • Earnings: ROA of 0.76%, down 15 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 85.21% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

0.76%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-15 bps YoY

Efficiency Ratio (YTD, annualized)

74.77%+512 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.91%1.06%1.06%0.95%0.76%-15 bps
Return on Equity9.34%10.64%10.60%9.47%7.56%-178 bps
Net Interest Margin3.85%3.99%4.06%4.04%3.70%-15 bps
Efficiency Ratio69.65%67.04%66.91%70.05%74.77%+512 bps
Non-Interest Burden2.41%2.30%2.36%2.51%2.52%+12 bps
Growth
Asset Growth (YoY)-4.31%-4.27%-4.60%-4.80%-2.00%+231 bps
Loan Growth (YoY)-3.02%-6.35%-7.06%-5.30%-2.54%+49 bps
Deposit Growth (YoY)-3.84%-3.05%-5.69%-3.95%-0.44%+339 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.23%-0.25%-0.12%-0.02%-0.05%+18 bps
Allowance / Loans1.41%1.52%1.50%1.47%1.50%+9 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 Capital14.25%14.41%14.36%14.41%14.41%+17 bps
Equity / Assets9.87%10.32%10.35%10.05%10.03%+16 bps
Liquidity & Funding
Loans / Deposits87.04%89.31%89.35%85.24%85.21%-183 bps
Liquid Assets / Assets5.95%2.05%3.40%4.11%3.63%-232 bps
CRE / Total Capitaln/an/an/an/an/an/an/a