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First National Bank and Trust

Saint John, KS · Cert 4765

FDIC

Q2 2004

$47.4MAssets
$27.1MLoans
$37.0MDeposits
$6.7MEquity
Deposit mix
90%Interest-bearing $33.2M10%Noninterest $3.8MQ2 2003Q2 2004

NIM

6.86%Q2 ’026.11%Q2 ’035.36%Q2 ’04-1%-6%

Non-interest income vs. expense

3.16%Q2 ’022.88%Q2 ’032.97%Q2 ’04-15%-9%

Executive Summary

  • Earnings: ROA of 1.34%, down 51 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 73.17% of deposits as of Q2 2004.

Financial Results

Return on Assets (quarter, annualized)

1.34%-51 bps YoY

Net Interest Margin (quarter, annualized)

4.16%-27 bps YoY

Efficiency Ratio (quarter, annualized)

59.36%+138 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets1.85%2.34%1.26%3.77%1.34%-51 bps
Return on Equity13.11%16.50%9.18%27.78%9.41%-370 bps
Net Interest Margin4.43%4.27%4.29%4.21%4.16%-27 bps
Efficiency Ratio57.98%56.57%74.25%65.30%59.36%+138 bps
Non-Interest Burden2.34%2.16%3.01%2.59%2.13%-21 bps
Growth
Asset Growth (YoY)-1.98%-4.60%-2.05%-1.64%-4.03%-205 bps
Loan Growth (YoY)-7.21%-10.63%-7.17%-8.36%-7.58%-37 bps
Deposit Growth (YoY)-0.78%-2.13%-3.15%-0.75%-4.32%-353 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-1.31%-0.01%1.08%-0.43%-0.04%+127 bps
Allowance / Loans2.09%2.23%1.85%2.10%2.12%+3 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 Capital20.04%21.47%19.47%22.07%23.51%+347 bps
Equity / Assets13.83%14.61%12.86%14.34%14.18%+35 bps
Liquidity & Funding
Loans / Deposits75.76%76.88%76.48%73.51%73.17%-258 bps
Liquid Assets / Assets0.04%0.06%0.07%0.06%0.03%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a