1st Bank Oklahoma

Claremore, OK · Cert 31826

FDIC

Q4 2011

$189.1MAssets

$108.3MLoans

$158.0MDeposits

$19.3MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.36%, down 89 bps year over year; NIM at 1.58%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
Funding: loans stand at 68.52% of deposits as of Q4 2011.

Return on Assets (YTD, annualized)

0.36%-89 bps YoY

Net Interest Margin (YTD, annualized)

1.58%

Efficiency Ratio (YTD, annualized)

70.98%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2010	Q2 2010	Q3 2010	Q4 2010	Q1 2011	Q2 2011	Q3 2011	Q4 2011	YoY Δ	Trend
Earnings
Return on Assets	1.04%	1.19%	1.12%	1.24%	1.13%	1.62%	0.23%	0.36%	-89 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	0.96%	1.58%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	66.58%	70.98%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	0.52%	0.98%	n/a
Growth
Asset Growth (YoY)	14.22%	13.72%	5.47%	9.46%	-2.20%	-11.30%	-23.27%	-28.57%	-3,803 bps
Loan Growth (YoY)	2.54%	-1.11%	-4.20%	-1.44%	-5.63%	-6.12%	-6.33%	-6.95%	-551 bps
Deposit Growth (YoY)	4.31%	2.96%	8.80%	12.63%	15.02%	3.97%	-9.09%	-12.78%	-2,541 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	n/a	0.00%	0.02%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	0.07%	0.10%	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	n/a	13.59%	14.48%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	9.82%	10.18%	n/a
Liquidity & Funding
Loans / Deposits	71.26%	68.33%	66.83%	64.22%	58.46%	61.70%	68.86%	68.52%	+430 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	12.20%	15.06%	+1,506 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a