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Bridgeview Bank, National Association

Oklahoma City, OK · Cert 23530

FDIC

Q4 2003

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: Q4 2003, the quarter ended December 31, 2003, 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

Bridgeview Bank, National Association

Oklahoma City, OK · Cert 23530

FDIC

Q4 2003

$35.3MAssets
$20.3MLoans
$30.5MDeposits
$4.3MEquity
Deposit mix
69%Interest-bearing $20.9M31%Noninterest $9.5MQ4 2002Q4 2003

NIM

7.00%Q4 ’015.63%Q4 ’025.00%Q4 ’03+3%-12%

Non-interest income vs. expense

4.45%Q4 ’014.21%Q4 ’024.00%Q4 ’03-1%-12%

Executive Summary

  • Earnings: ROA of 0.66%, unchanged from a year ago; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 66.54% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.66%0 bps YoY

Net Interest Margin (YTD, annualized)

3.82%-53 bps YoY

Efficiency Ratio (YTD, annualized)

76.58%+162 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets0.66%0.71%0.71%0.65%0.66%0 bps
Return on Equity5.45%5.86%5.96%5.41%5.42%-3 bps
Net Interest Margin4.35%4.21%3.95%3.82%3.82%-53 bps
Efficiency Ratio74.96%74.83%75.35%76.65%76.58%+162 bps
Non-Interest Burden2.94%2.88%2.66%2.61%2.60%-34 bps
Growth
Asset Growth (YoY)0.67%8.91%12.94%2.41%3.97%+330 bps
Loan Growth (YoY)17.02%17.24%17.21%6.75%-18.50%-3,552 bps
Deposit Growth (YoY)-3.40%9.86%14.52%2.44%7.24%+1,064 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.33%0.28%0.07%-0.10%0.01%-31 bps
Allowance / Loans1.86%1.94%2.09%2.54%2.50%+63 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 Capital13.70%14.45%14.69%16.58%17.75%+405 bps
Equity / Assets12.23%11.93%11.50%12.61%12.30%+7 bps
Liquidity & Funding
Loans / Deposits87.56%79.06%72.95%70.51%66.54%-2,102 bps
Liquid Assets / Assets0.02%0.02%1.37%1.49%0.02%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a