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Rockwell Bank

Oklahoma City, OK · Cert 23558

FDIC

Q3 2001

$53.0MAssets
$39.2MLoans
$44.5MDeposits
$5.0MEquity
Deposit mix
78%Interest-bearing $34.6M22%Noninterest $9.9MQ3 2000Q3 2001

NIM

7.91%Q1 ’017.58%Q2 ’017.19%Q3 ’01-4%-7%

Non-interest income vs. expense

5.41%Q1 ’014.73%Q2 ’017.15%Q3 ’01-22%+53%

Executive Summary

  • Earnings: ROA of 0.17%, down 61 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 88.21% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

0.17%1-61 bps YoY

Net Interest Margin (quarter, annualized)

4.12%

Efficiency Ratio (quarter, annualized)

102.68%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.78%0.93%0.94%1.27%0.17%1-61 bps
Return on Equityn/an/an/a12.95%1.77%n/a
Net Interest Marginn/an/a4.61%4.43%4.12%n/a
Efficiency Ration/an/a84.38%74.64%102.68%n/a
Non-Interest Burdenn/an/a3.61%2.82%4.30%n/a
Growth
Asset Growth (YoY)0.40%-1.41%6.88%15.47%19.58%+1,918 bps
Loan Growth (YoY)1.14%10.22%15.59%25.13%36.43%+3,528 bps
Deposit Growth (YoY)3.48%0.82%9.95%19.40%19.23%+1,575 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.09%0.04%0.08%n/a
Allowance / Loansn/an/a0.75%0.70%0.58%n/a
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 Capitaln/an/a26.51%27.27%21.07%n/a
Equity / Assetsn/an/a9.97%9.65%9.41%n/a
Liquidity & Funding
Loans / Deposits77.09%77.62%75.59%74.64%88.21%+1,112 bps
Liquid Assets / Assets0.00%0.00%17.92%16.55%15.20%+1,520 bps
CRE / Total Capitaln/an/an/an/an/an/an/a