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1st Bank Oklahoma

Claremore, OK · Cert 31826

FDIC

Q4 2011

$189.1MAssets
$108.3MLoans
$158.0MDeposits
$19.3MEquity
Loan mix
87%RE $76.0M5%C&I $4.3M8%Consumer $7.1MQ4 2010Q4 2011
Deposit mix
86%Interest-bearing $136.0M14%Noninterest $22.0MQ4 2010Q4 2011

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.83%, down 41 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 68.52% of deposits as of Q4 2011.

Financial Results

Return on Assets (quarter, annualized)

0.83%-41 bps YoY

Net Interest Margin (quarter, annualized)

3.31%

Efficiency Ratio (quarter, annualized)

75.28%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets1.24%1.13%1.62%0.27%0.83%-41 bps
Return on Equityn/an/an/an/a8.32%n/an/a
Net Interest Marginn/an/an/a1.00%3.31%n/a
Efficiency Ration/an/an/a70.20%75.28%n/a
Non-Interest Burdenn/an/an/an/a2.30%n/an/a
Growth
Asset Growth (YoY)9.46%-2.20%-11.30%-23.27%-28.57%-3,803 bps
Loan Growth (YoY)-1.44%-5.63%-6.12%-6.33%-6.95%-551 bps
Deposit Growth (YoY)12.63%15.02%3.97%-9.09%-12.78%-2,541 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.08%n/a
Allowance / Loansn/an/an/a0.07%0.10%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/an/a13.59%14.48%n/a
Equity / Assetsn/an/an/a9.82%10.18%n/a
Liquidity & Funding
Loans / Deposits64.22%58.46%61.70%68.86%68.52%+430 bps
Liquid Assets / Assets0.00%0.00%0.00%12.20%15.06%+1,506 bps
CRE / Total Capitaln/an/an/an/an/an/an/a