Osage Federal Bank

Pawhuska, OK · Cert 28356

FDIC

Q3 2012

$150.5MAssets

$81.2MLoans

$112.9MDeposits

$20.8MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.28%, down 32 bps year over year; NIM at 2.92%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
Funding: loans stand at 71.91% of deposits as of Q3 2012.

Return on Assets (quarter, annualized)

0.28%-32 bps YoY

Net Interest Margin (quarter, annualized)

2.92%

Efficiency Ratio (quarter, annualized)

84.01%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2010	Q1 2011	Q2 2011	Q3 2011	Q4 2011	Q1 2012	Q2 2012	Q3 2012	YoY Δ	Trend
Earnings
Return on Assets	0.84%	0.50%	0.54%	0.60%	0.63%	0.61%	0.17%	0.28%	-32 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	1.26%	2.03%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.15%	2.94%	2.92%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	72.30%	80.91%	84.01%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.06%	2.23%	2.26%	n/a
Growth
Asset Growth (YoY)	-4.41%	-0.72%	-2.91%	1.38%	0.27%	-2.47%	-2.43%	-5.66%	-704 bps
Loan Growth (YoY)	-10.33%	-9.95%	-9.09%	-6.48%	-6.33%	-3.18%	-4.44%	-9.22%	-274 bps
Deposit Growth (YoY)	-5.97%	0.97%	1.65%	5.38%	4.29%	-0.35%	-3.26%	-5.11%	-1,049 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	0.00%	0.00%	0.05%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	0.64%	0.66%	0.73%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	24.04%	26.62%	27.88%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	13.11%	13.54%	13.83%	n/a
Liquidity & Funding
Loans / Deposits	85.14%	78.50%	76.55%	75.16%	76.46%	76.27%	75.61%	71.91%	-326 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	29.55%	30.38%	28.21%	+2,821 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a