PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 ’016.54%Q4 ’016.04%Q4 ’02-9%+1%

Non-interest income vs. expense

5.57%Q1 ’014.73%Q4 ’014.05%Q4 ’02-22%-15%

Executive Summary

  • Earnings: ROA of 1.71%, up 52 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 70.13% of deposits as of Q4 2002.

Financial Results

Return on Assets (quarter, annualized)

1.71%+52 bps YoY

Net Interest Margin (quarter, annualized)

4.51%+4 bps YoY

Efficiency Ratio (quarter, annualized)

69.60%-958 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.19%1.12%1.27%2.09%1.71%+52 bps
Return on Equity13.02%11.92%13.80%22.25%17.00%+398 bps
Net Interest Margin4.47%4.53%4.42%4.52%4.51%+4 bps
Efficiency Ratio79.18%80.98%76.78%68.23%69.60%-958 bps
Non-Interest Burden3.23%3.41%3.07%2.42%2.75%-48 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 / Loans0.55%0.08%0.03%-0.03%0.04%-51 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