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Sulphur Community Bank

Sulphur, OK · Cert 21564

FDIC

Q3 2012

$95.3MAssets
$44.2MLoans
$84.1MDeposits
$8.8MEquity
Loan mix
57%RE $13.7M18%C&I $4.3M26%Consumer $6.2MQ3 2011Q3 2012
Deposit mix
79%Interest-bearing $66.8M21%Noninterest $17.3MQ3 2011Q3 2012

NIM

5.29%Q3 ’104.78%Q3 ’114.52%Q3 ’12-4%-2%

Non-interest income vs. expense

4.09%Q3 ’103.97%Q3 ’113.78%Q3 ’12+8%-2%

Executive Summary

  • Earnings: ROA of 1.46%, down 2 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.35%.
  • Funding: loans stand at 52.51% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

1.46%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.09%-10 bps YoY

Efficiency Ratio (YTD, annualized)

72.66%-52 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.48%1.59%1.56%1.55%1.46%-2 bps
Return on Equity17.60%18.64%17.81%17.75%16.44%-116 bps
Net Interest Margin4.18%4.25%4.25%4.10%4.09%-10 bps
Efficiency Ratio73.18%70.65%69.44%71.42%72.66%-52 bps
Non-Interest Burden2.73%2.64%2.59%2.61%2.66%-6 bps
Growth
Asset Growth (YoY)6.30%9.61%9.09%5.03%4.43%-187 bps
Loan Growth (YoY)5.68%6.10%9.66%3.78%-2.76%-843 bps
Deposit Growth (YoY)5.74%8.93%8.52%4.58%3.90%-185 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.03%0.76%0.48%0.35%+33 bps
Allowance / Loans1.80%1.93%1.79%1.81%1.82%+2 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 Capital15.10%15.19%14.74%14.77%15.26%+16 bps
Equity / Assets8.85%8.87%8.61%8.70%9.27%+42 bps
Liquidity & Funding
Loans / Deposits56.10%57.21%53.59%52.74%52.51%-359 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