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Local Oklahoma Bank, National Association

Oklahoma City, OK · Cert 28542

FDIC

Q1 2004

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: Q1 2004, the quarter ended March 31, 2004, 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

Local Oklahoma Bank, National Association

Oklahoma City, OK · Cert 28542

FDIC

Q1 2004

$2.9BAssets
$2.2BLoans
$1.9BDeposits
$261.4MEquity
Deposit mix
89%Interest-bearing $1.7B11%Noninterest $0.2BQ1 2003Q1 2004

NIM

6.56%Q1 ’025.73%Q1 ’035.01%Q1 ’04-3%-11%

Non-interest income vs. expense

2.40%Q1 ’022.49%Q1 ’032.12%Q1 ’04-9%-36%

Executive Summary

  • Earnings: ROA of 1.27%, up 9 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 116.12% of deposits as of Q1 2004.

Financial Results

Return on Assets (YTD, annualized)

1.27%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-39 bps YoY

Efficiency Ratio (YTD, annualized)

48.99%-538 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets1.17%1.18%1.16%1.16%1.27%+9 bps
Return on Equity13.37%13.46%13.41%13.33%14.10%+73 bps
Net Interest Margin3.52%3.44%3.27%3.25%3.13%-39 bps
Efficiency Ratio54.38%53.79%55.06%57.00%48.99%-538 bps
Non-Interest Burden1.47%1.36%1.33%1.41%0.94%-53 bps
Growth
Asset Growth (YoY)2.22%2.29%5.32%1.43%0.67%-155 bps
Loan Growth (YoY)8.95%9.67%14.07%7.44%2.82%-613 bps
Deposit Growth (YoY)-3.80%-2.39%5.87%3.78%5.71%+951 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.19%0.28%0.25%0.25%0.07%-11 bps
Allowance / Loans1.40%1.36%1.34%1.34%1.43%+4 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 Capital12.36%12.09%11.63%12.09%12.51%+15 bps
Equity / Assets8.89%8.66%8.38%8.83%9.12%+23 bps
Liquidity & Funding
Loans / Deposits119.39%119.78%114.45%119.56%116.12%-327 bps
Liquid Assets / Assets11.19%11.37%13.16%10.90%11.46%+27 bps
CRE / Total Capitaln/an/an/an/an/an/an/a