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Home National Bank

Blackwell, OK · Cert 11636

FDIC

Q2 2010

$585.4MAssets
$355.6MLoans
$514.0MDeposits
$10.4MEquity
Loan mix
80%RE $220.7M20%C&I $56.0M0%Consumer $0.0MQ2 2009Q2 2010
Deposit mix
95%Interest-bearing $486.3M5%Noninterest $27.7MQ2 2009Q2 2010

NIM

5.91%Q2 ’084.77%Q2 ’094.07%Q2 ’10-15%-12%

Non-interest income vs. expense

3.50%Q2 ’083.85%Q2 ’095.34%Q2 ’10+17%+47%

Executive Summary

  • Earnings: ROA of -4.63%, down 168 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 11.87%.
  • Funding: loans stand at 69.17% of deposits as of Q2 2010.

Financial Results

Return on Assets (quarter, annualized)

-4.63%-168 bps YoY

Net Interest Margin (quarter, annualized)

2.69%-36 bps YoY

Efficiency Ratio (quarter, annualized)

146.09%+4,816 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-2.95%-1.53%-32.46%0.57%1-4.63%-168 bps
Return on Equity-29.04%-15.40%-512%24.40%-228%-19,941 bps
Net Interest Margin3.06%3.21%2.55%2.82%2.69%-36 bps
Efficiency Ratio97.93%92.10%247%112.01%146.09%+4,816 bps
Non-Interest Burden2.99%2.89%8.50%3.28%4.39%+140 bps
Growth
Asset Growth (YoY)-10.12%-9.77%-13.38%-14.31%-19.18%-906 bps
Loan Growth (YoY)-19.50%-14.98%-19.86%-22.99%-27.03%-753 bps
Deposit Growth (YoY)-6.42%-4.91%-2.02%-3.44%-10.29%-387 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.15%0.46%33.83%1.66%11.87%+772 bps
Allowance / Loans2.78%3.29%5.86%5.82%5.28%+250 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 Capital12.94%12.47%3.64%3.89%3.20%-975 bps
Equity / Assets9.90%9.92%2.38%2.26%1.77%-813 bps
Liquidity & Funding
Loans / Deposits85.04%86.46%75.59%71.74%69.17%-1,587 bps
Liquid Assets / Assets3.31%2.79%5.00%3.81%4.10%+79 bps
CRE / Total Capitaln/an/an/an/an/an/an/a