PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Barnsdall State Bank

Barnsdall, OK · Cert 2324

FDIC

Q1 2008

$12.2MAssets
$1.9MLoans
$10.5MDeposits
$1.7MEquity
Deposit mix
82%Interest-bearing $8.6M18%Noninterest $1.9MQ1 2007Q1 2008

NIM

5.18%Q1 ’065.23%Q1 ’074.20%Q1 ’08-11%-30%

Non-interest income vs. expense

3.99%Q1 ’063.65%Q1 ’073.54%Q1 ’08-6%-16%

Executive Summary

  • Earnings: ROA of -0.16%, down 53 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 17.62% of deposits as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-0.16%-53 bps YoY

Net Interest Margin (YTD, annualized)

2.48%-104 bps YoY

Efficiency Ratio (YTD, annualized)

104.90%+1,407 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets0.37%0.50%0.48%0.33%-0.16%-53 bps
Return on Equity2.66%3.61%3.44%2.34%-1.20%-386 bps
Net Interest Margin3.52%3.55%3.57%3.59%2.48%-104 bps
Efficiency Ratio90.83%88.14%88.59%92.23%104.90%+1,407 bps
Non-Interest Burden3.15%3.05%3.09%3.26%2.64%-50 bps
Growth
Asset Growth (YoY)3.52%1.77%1.22%2.50%0.02%-350 bps
Loan Growth (YoY)-19.22%-15.49%-20.93%-7.39%-8.33%+1,089 bps
Deposit Growth (YoY)3.79%1.95%1.47%2.67%-0.03%-382 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.10%0.00%0 bps
Allowance / Loans1.29%1.22%1.32%1.25%1.30%+1 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 Capital13.76%14.24%14.36%14.01%13.84%+8 bps
Equity / Assets13.58%14.05%14.17%13.84%13.68%+10 bps
Liquidity & Funding
Loans / Deposits19.21%20.96%19.42%18.48%17.62%-159 bps
Liquid Assets / Assets58.27%59.76%60.18%58.52%27.99%-3,028 bps
CRE / Total Capitaln/an/an/an/an/an/an/a