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Farmers National Bank of Lincoln, The

Lincoln, KS · Cert 4719

FDIC

Q4 2003

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: Q4 2003, the quarter ended December 31, 2003, 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

Farmers National Bank of Lincoln, The

Lincoln, KS · Cert 4719

FDIC

Q4 2003

$21.2MAssets
$15.6MLoans
$18.1MDeposits
$1.5MEquity
Deposit mix
90%Interest-bearing $16.3M10%Noninterest $1.8MQ4 2002Q4 2003

NIM

7.27%Q4 ’016.36%Q4 ’025.91%Q4 ’03-2%+4%

Non-interest income vs. expense

3.11%Q4 ’013.08%Q4 ’023.19%Q4 ’03-4%+10%

Executive Summary

  • Earnings: ROA of 1.15%, down 15 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.15%.
  • Funding: loans stand at 86.21% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

1.15%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+13 bps YoY

Efficiency Ratio (YTD, annualized)

73.04%+246 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.30%1.36%1.41%1.47%1.15%-15 bps
Return on Equity17.72%18.62%19.12%19.72%15.45%-227 bps
Net Interest Margin3.84%3.90%3.94%3.94%3.97%+13 bps
Efficiency Ratio70.58%68.20%65.90%65.06%73.04%+246 bps
Non-Interest Burden2.55%2.52%2.47%2.43%2.80%+24 bps
Growth
Asset Growth (YoY)10.11%12.97%6.67%1.59%6.47%-364 bps
Loan Growth (YoY)11.33%13.27%5.92%5.77%7.97%-336 bps
Deposit Growth (YoY)7.93%11.06%4.17%1.37%7.16%-77 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.10%-0.11%-0.18%-0.19%-0.15%-5 bps
Allowance / Loans1.27%1.31%1.33%1.36%1.32%+5 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 Capital12.35%12.96%12.89%13.55%12.97%+62 bps
Equity / Assets7.17%7.44%7.49%7.81%7.24%+6 bps
Liquidity & Funding
Loans / Deposits85.56%84.02%87.13%90.22%86.21%+65 bps
Liquid Assets / Assets15.93%19.99%17.96%15.94%12.01%-392 bps
CRE / Total Capitaln/an/an/an/an/an/an/a