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Bank of Quapaw, The

Quapaw, OK · Cert 11865

FDIC

Q4 2010

$6.3MAssets
$3.3MLoans
$5.0MDeposits
$1.3MEquity
Deposit mix
79%Interest-bearing $3.9M21%Noninterest $1.0MQ4 2009Q4 2010

NIM

5.46%Q4 ’084.08%Q4 ’094.40%Q4 ’10-18%+18%

Non-interest income vs. expense

3.99%Q4 ’084.14%Q4 ’095.73%Q4 ’10+2%+34%

Executive Summary

  • Earnings: ROA of -1.05%, down 108 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 67.02% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.05%-108 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+62 bps YoY

Efficiency Ratio (YTD, annualized)

122.11%+1,248 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets0.03%-0.59%-0.12%-0.06%-1.05%-108 bps
Return on Equity0.12%-2.53%-0.51%-0.25%-4.57%-469 bps
Net Interest Margin3.44%3.40%3.62%3.91%4.06%+62 bps
Efficiency Ratio109.63%114.71%102.00%100.00%122.11%+1,248 bps
Non-Interest Burden3.80%3.99%3.71%3.91%5.10%+130 bps
Growth
Asset Growth (YoY)-1.46%-9.36%-3.63%-8.24%-8.86%-741 bps
Loan Growth (YoY)-10.89%0.27%16.47%6.91%14.31%+2,520 bps
Deposit Growth (YoY)-0.26%-11.12%-4.13%-10.50%-6.56%-630 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.27%0.12%0.04%0.00%-14 bps
Allowance / Loans2.68%2.60%2.36%2.45%2.34%-34 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 Capital33.78%33.68%32.29%33.14%23.80%-998 bps
Equity / Assets22.94%23.41%23.11%24.66%20.93%-201 bps
Liquidity & Funding
Loans / Deposits54.78%56.70%60.88%64.69%67.02%+1,224 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a