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Tulsa National Bank

Tulsa, OK · Cert 25806

FDIC

Q2 2013

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: Q2 2013, the quarter ended June 30, 2013, 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

Tulsa National Bank

Tulsa, OK · Cert 25806

FDIC

Q2 2013

$148.8MAssets
$84.7MLoans
$127.9MDeposits
$18.8MEquity
Loan mix
76%RE $38.9M21%C&I $10.9M3%Consumer $1.5MQ2 2012Q2 2013
Deposit mix
78%Interest-bearing $99.8M22%Noninterest $28.0MQ2 2012Q2 2013

NIM

4.98%Q2 ’114.43%Q2 ’123.83%Q2 ’13-9%-9%

Non-interest income vs. expense

2.63%Q2 ’112.49%Q2 ’122.45%Q2 ’13+4%-11%

Executive Summary

  • Earnings: ROA of 1.09%, up 86 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.80%.
  • Funding: loans stand at 66.23% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

1.09%+86 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-33 bps YoY

Efficiency Ratio (YTD, annualized)

68.59%+77 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.23%0.31%0.41%1.38%1.09%+86 bps
Return on Equity2.00%2.67%3.59%11.01%8.68%+668 bps
Net Interest Margin3.55%3.44%3.34%3.15%3.22%-33 bps
Efficiency Ratio67.83%68.99%71.30%64.58%68.59%+77 bps
Non-Interest Burden2.37%2.32%2.33%1.78%2.10%-27 bps
Growth
Asset Growth (YoY)-5.17%-2.78%-6.52%-9.75%-7.09%-192 bps
Loan Growth (YoY)-17.40%-20.31%-20.98%-21.96%-23.61%-621 bps
Deposit Growth (YoY)-5.77%-3.79%-4.73%-5.15%-0.64%+514 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.70%1.92%1.88%-0.13%0.80%-90 bps
Allowance / Loans2.80%2.53%2.22%2.51%2.33%-47 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 Capital17.97%19.14%19.60%21.80%23.98%+601 bps
Equity / Assets11.95%11.87%11.92%13.12%12.65%+71 bps
Liquidity & Funding
Loans / Deposits86.14%80.88%75.81%72.06%66.23%-1,992 bps
Liquid Assets / Assets4.02%10.34%12.02%11.07%17.35%+1,332 bps
CRE / Total Capitaln/an/an/an/an/an/an/a