Peer Analysis

Performance Ratios (%) FBTT Peer Median Peer Average
ROAA 0.86 0.66 0.50
ROAE 9.24 6.76 5.51
Net Interest Margin 3.11 3.51 3.54
Efficiency Ratio 66.68 73.92 76.15
Loans / Deposits 67.35 81.33 80.10
Asset Quality Ratios (%)
NPAs / Assets 1.74 1.06 1.32
NCOs / Avg Loans 0.32 0.02 0.06
Reserves / Loans 1.91 1.08 1.32
Reserves / NPAs 58.95 54.09 81.40
Capital Ratios (%)
Tier 1 Capital 15.60 13.47 14.98
Tangible Equity / Tangible Assets 9.21 9.44 9.19
Total Equity / Total Assets 9.56 9.82 10.00
Market Ratios
Price / Earnings (x) 14.36 12.91 12.98
Price / Book (%) 130.44 120.77 122.11
Dividend Yield (%) 1.62 1.48 1.12
Data for trailing four quarters

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. (OCNB), PSB Holdings, Inc. (PSBQ), SB Financial Group, Inc. (SBFG), United Bancshares, Inc. (UBOH)

First Bankers Trustshares, Inc.'s financial data is as of 3/31/2018.

Peer financial data is as of 3/31/2018 except for these companies:

Northern States Financial Corporation's financial data is as of 6/30/2018.
NB&T Financial Group, Inc.'s financial data is as of 12/31/2014.
Great Lakes Financial Resources, Inc.'s financial data is as of 9/30/2014.
DCB Financial Corp's financial data is as of 12/31/2016.