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Bank of Commerce, Wetumka, Oklahoma, The

Wetumka, OK · Cert 10675

FDIC

Q2 2008

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: Q2 2008, the quarter ended June 30, 2008, 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

Bank of Commerce, Wetumka, Oklahoma, The

Wetumka, OK · Cert 10675

FDIC

Q2 2008

$39.2MAssets
$31.0MLoans
$34.3MDeposits
$3.7MEquity
Deposit mix
74%Interest-bearing $25.4M26%Noninterest $8.9MQ2 2007Q2 2008

NIM

6.76%Q2 ’067.16%Q2 ’077.19%Q2 ’08+0%-1%

Non-interest income vs. expense

5.11%Q2 ’064.64%Q2 ’074.29%Q2 ’08-14%-11%

Executive Summary

  • Earnings: ROA of 3.17%, up 204 bps year over year; NIM at 5.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 90.42% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

3.17%+204 bps YoY

Net Interest Margin (YTD, annualized)

5.27%-4 bps YoY

Efficiency Ratio (YTD, annualized)

64.48%-476 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets1.13%1.19%1.18%3.39%3.17%+204 bps
Return on Equity13.25%13.96%13.85%38.22%35.10%+2,185 bps
Net Interest Margin5.31%5.16%5.16%4.96%5.27%-4 bps
Efficiency Ratio69.24%68.37%68.80%70.68%64.48%-476 bps
Non-Interest Burden3.25%3.09%3.14%3.15%2.91%-34 bps
Growth
Asset Growth (YoY)7.64%6.08%9.34%4.82%-0.03%-767 bps
Loan Growth (YoY)13.91%11.38%11.54%11.11%1.81%-1,210 bps
Deposit Growth (YoY)1.16%1.62%5.22%1.58%2.63%+147 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.07%0.07%-0.30%0.01%-3 bps
Allowance / Loans0.99%1.01%1.05%1.12%1.04%+5 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 Capital11.88%12.11%12.08%13.09%13.25%+138 bps
Equity / Assets8.26%8.53%8.42%9.31%9.34%+108 bps
Liquidity & Funding
Loans / Deposits91.16%90.73%89.80%90.32%90.42%-73 bps
Liquid Assets / Assets0.05%0.10%0.05%0.09%0.05%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a