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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

5.93%Q4 ’015.58%Q4 ’024.60%Q4 ’03+11%-17%

Non-interest income vs. expense

4.02%Q4 ’014.10%Q4 ’023.94%Q4 ’03+43%-19%

Executive Summary

  • Earnings: ROA of 0.68%, up 1 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.36%.
  • Funding: loans stand at 66.54% of deposits as of Q4 2003.

Financial Results

Return on Assets (quarter, annualized)

0.68%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.64%-73 bps YoY

Efficiency Ratio (quarter, annualized)

76.38%+171 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets0.67%0.71%0.71%0.52%0.68%+1 bps
Return on Equity5.44%5.86%6.07%4.31%5.48%+4 bps
Net Interest Margin4.37%4.21%3.85%3.35%3.64%-73 bps
Efficiency Ratio74.67%74.83%75.84%79.61%76.38%+171 bps
Non-Interest Burden2.98%2.88%2.54%2.39%2.42%-56 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 / Loans0.00%0.28%-0.15%-0.45%0.36%+36 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