PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Osage Federal Bank

Pawhuska, OK · Cert 28356

FDIC

Q3 2012

$150.5MAssets
$81.2MLoans
$112.9MDeposits
$20.8MEquity
Loan mix
85%RE $65.4M5%C&I $4.0M10%Consumer $7.7MQ3 2011Q3 2012
Deposit mix
88%Interest-bearing $99.3M12%Noninterest $13.6MQ3 2011Q3 2012

NIM

4.38%Q1 ’124.25%Q2 ’124.19%Q3 ’12-3%-1%

Non-interest income vs. expense

2.83%Q1 ’122.94%Q2 ’123.14%Q3 ’12+4%+2%

Executive Summary

  • Earnings: ROA of 0.35%, down 25 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 71.91% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.35%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.03%

Efficiency Ratio (YTD, annualized)

79.11%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.60%0.63%0.61%0.39%0.35%-25 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.15%3.05%3.03%n/a
Efficiency Ration/an/a72.30%76.48%79.11%n/a
Non-Interest Burdenn/an/a2.06%2.15%2.20%n/a
Growth
Asset Growth (YoY)1.38%0.27%-2.47%-2.43%-5.66%-704 bps
Loan Growth (YoY)-6.48%-6.33%-3.18%-4.44%-9.22%-274 bps
Deposit Growth (YoY)5.38%4.29%-0.35%-3.26%-5.11%-1,049 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.00%0.00%0.02%n/a
Allowance / Loansn/an/a0.64%0.66%0.73%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/a24.04%26.62%27.88%n/a
Equity / Assetsn/an/a13.11%13.54%13.83%n/a
Liquidity & Funding
Loans / Deposits75.16%76.46%76.27%75.61%71.91%-326 bps
Liquid Assets / Assets0.00%0.00%29.55%30.38%28.21%+2,821 bps
CRE / Total Capitaln/an/an/an/an/an/an/a