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First National Bank, Henryetta

Henryetta, OK · Cert 19338

FDIC

Q2 2006

$62.1MAssets
$33.7MLoans
$53.9MDeposits
$7.8MEquity
Deposit mix
84%Interest-bearing $45.1M16%Noninterest $8.8MQ2 2005Q2 2006

NIM

4.93%Q2 ’045.66%Q2 ’055.78%Q2 ’06+5%-9%

Non-interest income vs. expense

2.98%Q2 ’043.00%Q2 ’052.94%Q2 ’06+4%+2%

Executive Summary

  • Earnings: ROA of 1.07%, up 61 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.
  • Funding: loans stand at 62.48% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

1.07%+61 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-36 bps YoY

Efficiency Ratio (YTD, annualized)

65.16%+509 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.45%0.83%0.85%1.00%1.07%+61 bps
Return on Equity3.79%6.77%6.77%7.44%8.12%+433 bps
Net Interest Margin4.07%4.22%4.21%3.76%3.71%-36 bps
Efficiency Ratio60.07%59.11%59.21%66.26%65.16%+509 bps
Non-Interest Burden2.19%2.23%2.24%2.32%2.23%+5 bps
Growth
Asset Growth (YoY)-2.80%-2.71%-25.75%-3.60%2.75%+555 bps
Loan Growth (YoY)16.07%10.30%-7.23%-11.03%-13.99%-3,006 bps
Deposit Growth (YoY)4.14%1.64%-26.41%9.76%3.31%-83 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.88%1.40%1.75%0.13%0.23%-65 bps
Allowance / Loans2.02%1.61%1.46%1.66%1.82%-20 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 Capital19.59%20.46%21.44%21.46%21.86%+227 bps
Equity / Assets12.90%13.59%13.74%13.05%12.63%-27 bps
Liquidity & Funding
Loans / Deposits75.05%80.59%73.43%66.46%62.48%-1,256 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