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Lincoln National Bank

Oklahoma City, OK · Cert 26184

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

Lincoln National Bank

Oklahoma City, OK · Cert 26184

FDIC

Q4 2003

$110.0MAssets
$58.6MLoans
$91.0MDeposits
$17.4MEquity
Loan mix
68%RE $15.0M31%C&I $6.9M1%Consumer $0.1MQ4 2002Q4 2003
Deposit mix
74%Interest-bearing $67.0M26%Noninterest $24.0MQ4 2002Q4 2003

NIM

7.20%Q4 ’015.84%Q4 ’021.09%Q4 ’03-8%-78%

Non-interest income vs. expense

3.92%Q4 ’014.57%Q4 ’020.85%Q4 ’03+36%-85%

Executive Summary

  • Earnings: ROA of 0.18%, up 83 bps year over year; NIM at 0.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 64.45% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.18%+83 bps YoY

Net Interest Margin (YTD, annualized)

0.89%-311 bps YoY

Efficiency Ratio (YTD, annualized)

66.50%-2,828 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 Assets-0.65%0.33%10.45%-0.42%0.18%+83 bps
Return on Equity-6.68%3.68%5.12%-4.75%1.80%+848 bps
Net Interest Margin4.00%3.72%3.55%3.58%0.89%-311 bps
Efficiency Ratio94.78%88.00%86.76%108.89%66.50%-2,828 bps
Non-Interest Burden3.75%3.16%2.94%4.00%0.54%-320 bps
Growth
Asset Growth (YoY)5.46%1.17%14.19%-3.41%2.08%-338 bps
Loan Growth (YoY)-6.70%-2.83%-7.95%2.29%-4.00%+270 bps
Deposit Growth (YoY)2.16%-2.60%14.71%-0.91%3.42%+126 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.66%0.78%0.90%1.09%0.06%-261 bps
Allowance / Loans1.05%1.00%0.97%1.05%1.86%+81 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 Capital14.60%14.41%14.62%14.36%14.81%+21 bps
Equity / Assets9.08%8.91%8.51%8.64%15.82%+674 bps
Liquidity & Funding
Loans / Deposits69.44%69.38%61.88%68.42%64.45%-498 bps
Liquid Assets / Assets1.30%2.01%1.20%0.00%0.00%-130 bps
CRE / Total Capitaln/an/an/an/an/an/an/a