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Peer Analysis

Data for trailing four quarters

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Performance Ratios (%)FBTT Peer
Median
Peer
Average
ROAA0.88 0.53 0.15 
ROAE10.19 5.87 (0.53) 
Net Interest Margin2.87 3.39 3.45 
Efficiency Ratio64.41 77.08 78.63 
Loans / Deposits61.78 74.79 75.53 

Asset Quality Ratios (%)   
NPAs / Assets0.61 2.48 5.88 
NCOs / Avg Loans0.09 0.56 0.79 
Reserves / Loans1.54 1.74 2.54 
Reserves / NPAs127.01 56.06 49.96 

Capital Ratios (%)   
Tier 1 Capital14.60 11.23 11.55 
Tangible Equity / Tangible Assets8.12 7.92 7.81 
Total Equity / Total Assets8.60 8.47 8.50 

Market Ratios   
Price / Earnings (x)10.06 10.66 14.46 
Price / Book (%)114.52 76.29 73.59 
Dividend Yield (%)1.94 1.66 2.39 
First Bankers Trustshares, Inc.'s peer group consists of the following: DCB Financial Corp (DCBF), Great Lakes Financial Resources, Inc. (GLFL), NB&T Financial Group, Inc. (NBTF), Northern States Financial Corporation (NSFC), Oconomowoc Bancshares, Inc. (OCNM), PSB Holdings, Inc. (PSBQ), SB Financial Group, Inc. (SBFG), United Bancshares, Inc. (UBOH)

First Bankers Trustshares, Inc.'s financial data is as of 12/31/2012.

Peer financial data is as of 3/31/2013  except for these companies:

Great Lakes Financial Resources, Inc.'s financial data is as of 12/31/2012.
Northern States Financial Corporation's financial data is as of 12/31/2012.
Oconomowoc Bancshares, Inc.'s financial data is as of 3/31/2010.

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