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First National Bank of Le Roy

Le Roy, KS · Cert 4715

FDIC

Q3 2010

$24.9MAssets
$16.1MLoans
$19.6MDeposits
$5.1MEquity
Deposit mix
91%Interest-bearing $17.9M9%Noninterest $1.7MQ3 2009Q3 2010

NIM

6.41%Q3 ’085.23%Q3 ’095.11%Q3 ’10-18%+18%

Non-interest income vs. expense

1.83%Q3 ’081.89%Q3 ’092.55%Q3 ’10+10%+42%

Executive Summary

  • Earnings: ROA of 1.29%, up 87 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.22%.
  • Funding: loans stand at 82.04% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

1.29%+87 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+59 bps YoY

Efficiency Ratio (YTD, annualized)

64.71%+920 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.42%0.46%1.35%1.72%1.29%+87 bps
Return on Equity2.09%2.28%7.14%9.07%6.69%+460 bps
Net Interest Margin3.20%3.16%3.22%3.67%3.79%+59 bps
Efficiency Ratio55.51%62.78%59.76%52.87%64.71%+920 bps
Non-Interest Burden1.68%1.90%1.85%1.86%2.39%+71 bps
Growth
Asset Growth (YoY)6.00%3.03%-3.06%-9.52%-14.24%-2,024 bps
Loan Growth (YoY)-1.49%-0.59%-8.28%-16.91%-20.13%-1,864 bps
Deposit Growth (YoY)8.18%4.37%0.09%-8.86%-15.03%-2,322 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.06%0.93%0.09%-0.43%-0.22%-128 bps
Allowance / Loans1.47%1.47%1.47%1.89%1.91%+43 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 Capital28.42%28.53%27.61%32.31%34.48%+606 bps
Equity / Assets19.87%19.67%17.96%19.33%20.57%+70 bps
Liquidity & Funding
Loans / Deposits87.27%80.82%81.94%78.46%82.04%-523 bps
Liquid Assets / Assets1.38%1.36%1.11%3.14%2.68%+130 bps
CRE / Total Capitaln/an/an/an/an/an/an/a