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Wilburton State Bank

Wilburton, OK · Cert 2332

FDIC · 2 branches

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wilburton State Bank

Wilburton, OK · Cert 2332

FDIC · 2 branches

Q3 2016

$63.7MAssets
$27.9MLoans
$57.5MDeposits
$6.1MEquity
Loan mix
57%RE $13.4M21%C&I $4.9M22%Consumer $5.0MQ3 2015Q3 2016
Deposit mix
74%Interest-bearing $42.5M26%Noninterest $14.9MQ3 2015Q3 2016

NIM

3.56%Q3 ’143.58%Q3 ’153.65%Q3 ’16+4%+2%

Non-interest income vs. expense

2.78%Q3 ’142.85%Q3 ’152.77%Q3 ’16+3%-12%

Executive Summary

  • Earnings: ROA of 1.56%, up 29 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 8.50%, up 37 bps from a year ago.
  • Funding: loans stand at 48.59% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

1.56%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+8 bps YoY

Efficiency Ratio (YTD, annualized)

62.23%-517 bps YoY

Tier 1 Leverage Ratio

8.50%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets1.27%1.24%1.29%1.39%1.56%+29 bps
Return on Equity14.23%13.76%13.93%14.94%16.64%+241 bps
Net Interest Margin3.31%3.34%3.41%3.31%3.39%+8 bps
Efficiency Ratio67.40%68.37%68.18%65.18%62.23%-517 bps
Non-Interest Burden1.92%1.98%2.01%1.83%1.69%-23 bps
Growth
Asset Growth (YoY)-4.24%-3.27%-0.42%-0.59%-0.72%+351 bps
Loan Growth (YoY)7.94%10.49%5.16%2.09%-5.02%-1,296 bps
Deposit Growth (YoY)-4.95%-3.81%-0.88%-1.07%-1.03%+392 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.20%-0.08%0.87%0.41%0.22%+42 bps
Allowance / Loans2.21%2.20%2.09%2.27%2.30%+9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.13%8.16%8.42%8.14%8.50%+37 bps
Total Risk-Based Capital18.01%17.78%18.41%18.97%18.88%+87 bps
Equity / Assets9.23%9.15%9.32%9.45%9.58%+35 bps
Liquidity & Funding
Loans / Deposits50.63%50.21%47.61%46.52%48.59%-204 bps
Liquid Assets / Assets14.02%15.33%15.27%15.82%17.87%+385 bps
CRE / Total Capitaln/an/an/an/an/an/an/a