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Tri Star National Bank

Blanchard, OK · Cert 26212

FDIC

Q4 2002

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 2002, the quarter ended December 31, 2002, 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 2026-10-10

Tri Star National Bank

Blanchard, OK · Cert 26212

FDIC

Q4 2002

$50.2MAssets
$30.3MLoans
$43.2MDeposits
$5.2MEquity
Deposit mix
72%Interest-bearing $31.3M28%Noninterest $11.9MQ4 2001Q4 2002

NIM

7.99%Q1 ’017.24%Q4 ’016.07%Q4 ’02-6%-4%

Non-interest income vs. expense

5.57%Q1 ’014.97%Q4 ’014.41%Q4 ’02-15%-18%

Executive Summary

  • Earnings: ROA of 1.56%, up 56 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 70.13% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

1.56%+56 bps YoY

Net Interest Margin (YTD, annualized)

4.46%-17 bps YoY

Efficiency Ratio (YTD, annualized)

73.62%-829 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.01%1.12%1.19%1.50%1.56%+56 bps
Return on Equityn/a11.92%12.83%16.01%16.30%n/a
Net Interest Margin4.63%4.53%4.45%4.34%4.46%-17 bps
Efficiency Ratio81.92%80.98%78.88%74.91%73.62%-829 bps
Non-Interest Burden3.53%3.41%3.22%2.86%2.88%-65 bps
Growth
Asset Growth (YoY)3.36%0.54%4.77%1.56%1.87%-149 bps
Loan Growth (YoY)-1.78%1.08%5.39%9.86%4.89%+667 bps
Deposit Growth (YoY)4.35%0.01%4.58%-2.58%-0.79%-514 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.08%0.06%0.03%0.03%-4 bps
Allowance / Loans0.99%1.01%1.02%0.96%1.00%+1 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 Capital15.49%15.99%16.16%15.78%16.70%+121 bps
Equity / Assets9.43%9.30%9.09%9.70%10.45%+102 bps
Liquidity & Funding
Loans / Deposits66.33%64.33%61.20%68.64%70.13%+380 bps
Liquid Assets / Assets9.96%10.06%8.90%8.86%8.35%-161 bps
CRE / Total Capitaln/an/an/an/an/an/an/a