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Farmers National Bank of Osborne, The

Osborne, KS · Cert 4748

FDIC · 2 branches

Q4 2019

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 2019, the quarter ended December 31, 2019, 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 Osborne, The

Osborne, KS · Cert 4748

FDIC · 2 branches

Q4 2019

$67.1MAssets
$39.5MLoans
$56.1MDeposits
$8.5MEquity
Loan mix
92%RE $23.1M5%C&I $1.2M4%Consumer $0.9MQ4 2018Q4 2019
Deposit mix
80%Interest-bearing $44.8M20%Noninterest $11.3MQ4 2018Q4 2019

NIM

4.16%Q4 ’174.27%Q4 ’184.53%Q4 ’19+0%-1%

Non-interest income vs. expense

2.37%Q4 ’172.39%Q4 ’182.34%Q4 ’19+3%-11%

Executive Summary

  • Earnings: ROA of 1.52%, up 22 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.00% of loans (-4 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.74%, up 90 bps from a year ago.
  • Funding: loans stand at 70.35% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

1.52%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.53%-5 bps YoY

Efficiency Ratio (YTD, annualized)

59.98%-364 bps YoY

Tier 1 Leverage Ratio

12.74%+90 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.30%2.03%1.69%1.59%1.52%+22 bps
Return on Equity11.41%17.46%14.42%13.38%12.60%+119 bps
Net Interest Margin3.58%3.64%3.59%3.64%3.53%-5 bps
Efficiency Ratio63.63%53.81%56.73%59.32%59.98%-364 bps
Non-Interest Burden2.23%1.61%1.82%2.00%1.98%-25 bps
Growth
Asset Growth (YoY)5.06%6.86%6.24%2.90%0.81%-425 bps
Loan Growth (YoY)4.69%4.17%1.25%2.77%-1.83%-652 bps
Deposit Growth (YoY)1.97%3.39%2.21%3.06%-0.33%-230 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.10%0.00%1.00%0.00%-4 bps
Net Charge-Offs / Loans0.00%-0.04%-0.02%-0.01%-0.01%-1 bps
Allowance / Loans1.37%1.46%1.40%1.36%1.41%+4 bps
Allowance Coverage of NPLs32.5x14.3xn/a1.3xn/an/a
Capital
Tier 1 Leverage Ratio11.84%11.79%12.17%12.71%12.74%+90 bps
Total Risk-Based Capital16.79%17.98%17.99%18.12%18.94%+215 bps
Equity / Assets11.54%11.74%11.92%12.43%12.66%+113 bps
Liquidity & Funding
Loans / Deposits71.42%66.48%70.41%73.56%70.35%-107 bps
Liquid Assets / Assets22.28%26.10%26.05%20.65%21.00%-128 bps
CRE / Total Capitaln/an/an/an/an/an/an/a