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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

4.24%Q4 ’045.01%Q4 ’055.48%Q4 ’06+5%-1%

Non-interest income vs. expense

2.29%Q4 ’042.14%Q4 ’054.88%Q4 ’06-9%+105%

Executive Summary

  • Earnings: ROA of 0.20%, down 156 bps year over year; NIM at 3.17%.
  • 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 (quarter, annualized)

0.20%-156 bps YoY

Net Interest Margin (quarter, annualized)

3.17%-4 bps YoY

Efficiency Ratio (quarter, annualized)

96.15%+4,133 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.75%1.60%1.95%1.81%0.20%-156 bps
Return on Equity12.41%11.36%13.92%12.76%1.41%-1,100 bps
Net Interest Margin3.22%3.10%3.32%3.49%3.17%-4 bps
Efficiency Ratio54.82%57.33%53.15%56.69%96.15%+4,133 bps
Non-Interest Burden1.45%1.52%1.37%1.64%2.98%+152 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-0.05%0.00%0.00%0.00%0.00%+5 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