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First National Bank of Liberal

Liberal, KS · Cert 4717

FDIC · 5 branches

Q1 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Liberal

Liberal, KS · Cert 4717

FDIC · 5 branches

Q1 2018

$318.4MAssets
$160.4MLoans
$288.1MDeposits
$30.0MEquity
Loan mix
84%RE $105.6M13%C&I $15.9M3%Consumer $3.7MQ1 2017Q1 2018
Deposit mix
80%Interest-bearing $231.2M20%Noninterest $56.9MQ1 2017Q1 2018

NIM

3.58%Q1 ’163.53%Q1 ’173.40%Q1 ’18-4%-11%

Non-interest income vs. expense

2.17%Q1 ’162.05%Q1 ’171.82%Q1 ’18-8%-10%

Executive Summary

  • Earnings: ROA of 1.13%, up 20 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.02% of loans (-46 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.89%, up 40 bps from a year ago.
  • Funding: loans stand at 55.66% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

1.13%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.75%-32 bps YoY

Efficiency Ratio (YTD, annualized)

59.65%-1 bps YoY

Tier 1 Leverage Ratio

9.89%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.93%0.96%0.99%1.01%1.13%+20 bps
Return on Equity10.19%10.38%10.48%10.64%11.90%+171 bps
Net Interest Margin3.08%3.04%3.08%3.10%2.75%-32 bps
Efficiency Ratio59.65%60.90%61.49%61.10%59.65%-1 bps
Non-Interest Burden1.69%1.72%1.76%1.76%1.52%-17 bps
Growth
Asset Growth (YoY)0.73%5.34%3.19%0.05%2.29%+155 bps
Loan Growth (YoY)4.82%-0.75%-1.36%-5.64%-7.72%-1,253 bps
Deposit Growth (YoY)2.97%6.77%2.24%1.88%2.65%-33 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.14%0.10%0.06%0.02%-46 bps
Net Charge-Offs / Loans0.90%0.45%0.29%0.20%0.00%-90 bps
Allowance / Loans0.99%1.04%1.08%1.11%1.16%+18 bps
Allowance Coverage of NPLs2.0x7.2x10.7x19.8x47.8x+45.8x
Capital
Tier 1 Leverage Ratio9.50%9.61%9.86%10.18%9.89%+40 bps
Total Risk-Based Capital15.32%15.71%16.33%16.45%17.23%+192 bps
Equity / Assets9.41%9.62%9.97%9.51%9.43%+2 bps
Liquidity & Funding
Loans / Deposits61.92%60.02%61.96%58.05%55.66%-625 bps
Liquid Assets / Assets0.11%0.66%0.09%4.24%8.93%+882 bps
CRE / Total Capitaln/an/an/an/an/an/an/a