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First State Bank

Waukomis, OK · Cert 15694

FDIC · 1 branch

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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

First State Bank

Waukomis, OK · Cert 15694

FDIC · 1 branch

Q4 2014

$20.8MAssets
$17.9MLoans
$18.9MDeposits
$2.0MEquity
Loan mix
64%RE $11.4M25%C&I $4.4M11%Consumer $1.9MQ4 2013Q4 2014
Deposit mix
62%Interest-bearing $11.7M38%Noninterest $7.2MQ4 2013Q4 2014

NIM

5.49%Q4 ’124.92%Q4 ’135.77%Q4 ’14-8%+21%

Non-interest income vs. expense

5.55%Q4 ’124.50%Q4 ’134.57%Q4 ’14+16%+28%

Market Position · Oklahoma City, OK · 2014 SOD (annual) · 0.1% share · #64 of 68 inst. · $0.0B of $27.4B

Executive Summary

  • Earnings: ROA of 1.32%, up 2 bps year over year; NIM at 5.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 95.11% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

1.32%+2 bps YoY

Net Interest Margin (YTD, annualized)

5.40%+94 bps YoY

Efficiency Ratio (YTD, annualized)

76.38%-72 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets1.30%1.30%1.19%1.43%1.32%+2 bps
Return on Equity15.86%15.81%14.20%16.82%15.19%-67 bps
Net Interest Margin4.46%4.88%5.44%5.45%5.40%+94 bps
Efficiency Ratio77.09%73.27%75.91%74.12%76.38%-72 bps
Non-Interest Burden3.12%3.40%4.02%3.86%3.98%+87 bps
Growth
Asset Growth (YoY)9.38%-0.25%-3.43%-2.02%-10.10%-1,948 bps
Loan Growth (YoY)9.46%23.27%15.14%16.35%10.37%+92 bps
Deposit Growth (YoY)10.09%-0.66%-3.97%-2.75%-11.55%-2,163 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.22%+22 bps
Allowance / Loans0.88%0.88%0.89%0.89%0.67%-21 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 Capital12.28%12.44%12.19%12.67%12.70%+42 bps
Equity / Assets7.92%8.55%8.70%8.82%9.40%+148 bps
Liquidity & Funding
Loans / Deposits76.22%89.03%94.69%91.19%95.11%+1,889 bps
Liquid Assets / Assets0.35%0.38%0.46%0.44%0.46%+11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a