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Cyril State Bank

Cyril, OK · Cert 18558

FDIC

Q4 2006

$24.6MAssets
$7.2MLoans
$21.2MDeposits
$3.3MEquity
Deposit mix
80%Interest-bearing $16.9M20%Noninterest $4.2MQ4 2005Q4 2006

NIM

4.13%Q4 ’044.55%Q4 ’055.33%Q4 ’06+3%+5%

Non-interest income vs. expense

2.21%Q4 ’042.36%Q4 ’052.88%Q4 ’06+12%+15%

Executive Summary

  • Earnings: ROA of 1.39%, down 7 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 34.00% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

1.39%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+17 bps YoY

Efficiency Ratio (YTD, annualized)

67.75%+577 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.46%1.60%1.78%1.79%1.39%-7 bps
Return on Equity10.27%11.36%12.68%12.69%9.92%-36 bps
Net Interest Margin3.06%3.10%3.21%3.34%3.22%+17 bps
Efficiency Ratio61.98%57.33%55.11%55.66%67.75%+577 bps
Non-Interest Burden1.61%1.52%1.44%1.52%1.85%+24 bps
Growth
Asset Growth (YoY)3.95%4.54%6.18%3.57%4.53%+57 bps
Loan Growth (YoY)9.43%0.16%31.76%4.57%-13.67%-2,310 bps
Deposit Growth (YoY)4.78%4.68%7.06%3.47%11.77%+699 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.29%0.00%0.00%0.00%0.00%+29 bps
Allowance / Loans1.67%1.72%1.49%1.61%1.93%+26 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 Capital26.64%28.32%25.61%27.11%28.07%+144 bps
Equity / Assets14.19%14.05%13.96%14.34%13.56%-63 bps
Liquidity & Funding
Loans / Deposits44.02%41.00%47.11%44.16%34.00%-1,002 bps
Liquid Assets / Assets42.70%41.56%39.77%35.67%31.83%-1,087 bps
CRE / Total Capitaln/an/an/an/an/an/an/a