Peer Analysis

Performance Ratios (%) FBTT Peer Median Peer Average
ROAA 0.99 0.68 0.66
ROAE 10.83 7.13 6.89
Net Interest Margin 3.06 3.49 3.43
Efficiency Ratio 65.72 76.41 77.02
Loans / Deposits 72.37 77.34 78.20
Asset Quality Ratios (%)
NPAs / Assets 0.85 1.28 1.64
NCOs / Avg Loans 0.17 0.02 0.07
Reserves / Loans 1.74 1.12 1.43
Reserves / NPAs 115.28 57.27 73.74
Capital Ratios (%)
Tier 1 Capital 13.93 15.48 15.36
Tangible Equity / Tangible Assets 8.89 9.54 9.48
Total Equity / Total Assets 9.27 10.51 10.12
Market Ratios
Price / Earnings (x) 8.97 12.16 17.61
Price / Book (%) 96.78 112.92 113.74
Dividend Yield (%) 2.15 1.46 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 3/31/2017.

Peer financial data is as of 3/31/2017 except for these companies:

SB Financial Group, Inc.'s financial data is as of 6/30/2017.
NB&T Financial Group, Inc.'s financial data is as of 12/31/2014.
United Bancshares, Inc.'s financial data is as of 6/30/2017.
Great Lakes Financial Resources, Inc.'s financial data is as of 9/30/2014.
PSB Holdings, Inc.'s financial data is as of 6/30/2017.
DCB Financial Corp's financial data is as of 12/31/2016.