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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

5.31%Q3 ’104.89%Q3 ’114.43%Q3 ’12-2%-7%

Non-interest income vs. expense

4.30%Q3 ’104.21%Q3 ’113.85%Q3 ’12+5%-8%

Executive Summary

  • Earnings: ROA of 1.27%, down 28 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 52.51% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

1.27%-28 bps YoY

Net Interest Margin (quarter, annualized)

4.03%-30 bps YoY

Efficiency Ratio (quarter, annualized)

75.21%-93 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.56%1.88%1.56%1.52%1.27%-28 bps
Return on Equity18.04%21.17%17.81%17.61%14.15%-389 bps
Net Interest Margin4.33%4.43%4.25%4.04%4.03%-30 bps
Efficiency Ratio76.14%63.33%69.44%73.45%75.21%-93 bps
Non-Interest Burden3.01%2.37%2.59%2.67%2.76%-25 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 / Loans0.01%0.05%0.76%0.18%0.08%+7 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