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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

6.66%Q3 ’085.11%Q3 ’094.65%Q3 ’10-23%+14%

Non-interest income vs. expense

1.58%Q3 ’081.79%Q3 ’093.41%Q3 ’10+11%+109%

Executive Summary

  • Earnings: ROA of 0.36%, down 1 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 82.04% of deposits as of Q3 2010.

Financial Results

Return on Assets (quarter, annualized)

0.36%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.65%+44 bps YoY

Efficiency Ratio (quarter, annualized)

89.84%+3,784 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.37%0.57%1.35%2.12%0.36%-1 bps
Return on Equity1.86%2.90%7.14%11.38%1.79%-7 bps
Net Interest Margin3.21%2.99%3.22%3.92%3.65%+44 bps
Efficiency Ratio52.00%85.90%59.76%46.74%89.84%+3,784 bps
Non-Interest Burden1.57%2.53%1.85%1.76%3.27%+170 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 / Loans-0.30%0.36%0.09%-0.96%0.22%+52 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