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Exchange National Bank of Moore

Moore, OK · Cert 18872

FDIC

Q1 2011

$155.7MAssets
$43.9MLoans
$116.2MDeposits
$20.4MEquity
Loan mix
77%RE $32.4M12%C&I $5.0M12%Consumer $5.0MQ1 2010Q1 2011
Deposit mix
78%Interest-bearing $90.2M22%Noninterest $26.0MQ1 2010Q1 2011

NIM

5.27%Q1 ’095.01%Q1 ’102.85%Q1 ’11+1%-54%

Non-interest income vs. expense

2.69%Q1 ’092.93%Q1 ’101.84%Q1 ’11+26%-42%

Executive Summary

  • Earnings: ROA of 0.23%, down 111 bps year over year; NIM at 1.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 37.75% of deposits as of Q1 2011.

Financial Results

Return on Assets (quarter, annualized)

0.23%-111 bps YoY

Net Interest Margin (quarter, annualized)

1.66%-196 bps YoY

Efficiency Ratio (quarter, annualized)

77.27%+1,036 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets1.34%1.68%2.98%-5.45%0.23%-111 bps
Return on Equity15.44%19.39%32.75%-49.24%1.79%-1,365 bps
Net Interest Margin3.61%3.54%3.22%-8.97%1.66%-196 bps
Efficiency Ratio66.91%57.31%52.65%57.81%77.27%+1,036 bps
Non-Interest Burden2.17%1.69%1.59%-4.75%1.25%-92 bps
Growth
Asset Growth (YoY)10.27%13.21%16.97%12.86%9.49%-78 bps
Loan Growth (YoY)6.68%-3.43%-17.24%-25.42%-31.45%-3,813 bps
Deposit Growth (YoY)13.23%15.38%23.44%13.98%8.34%-489 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.08%-0.71%0.55%0.05%-2 bps
Allowance / Loans1.00%1.17%1.39%0.01%0.15%-85 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 Capital12.32%13.00%15.58%18.05%19.04%+672 bps
Equity / Assets8.55%8.72%9.49%12.55%13.13%+457 bps
Liquidity & Funding
Loans / Deposits59.66%52.55%43.68%39.06%37.75%-2,191 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