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Bank of Nichols Hills

Oklahoma City, OK · Cert 34178

FDIC

Q3 2006

$136.2MAssets
$80.9MLoans
$111.7MDeposits
$22.9MEquity
Deposit mix
77%Interest-bearing $86.1M23%Noninterest $25.6MQ3 2005Q3 2006

NIM

5.15%Q3 ’045.61%Q3 ’053.89%Q3 ’06+0%-41%

Non-interest income vs. expense

3.09%Q3 ’042.85%Q3 ’051.58%Q3 ’06+5%-42%

Executive Summary

  • Earnings: ROA of 0.71%, down 45 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Funding: loans stand at 72.46% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.71%-45 bps YoY

Net Interest Margin (YTD, annualized)

2.43%-170 bps YoY

Efficiency Ratio (YTD, annualized)

58.91%-208 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.16%1.14%1.13%0.48%0.71%-45 bps
Return on Equity13.20%13.28%13.93%4.46%5.70%-750 bps
Net Interest Margin4.12%3.98%4.29%1.62%2.43%-170 bps
Efficiency Ratio60.98%61.05%60.16%57.97%58.91%-208 bps
Non-Interest Burden2.30%2.23%2.40%0.87%1.32%-98 bps
Growth
Asset Growth (YoY)19.70%20.98%31.66%34.89%14.14%-556 bps
Loan Growth (YoY)13.01%7.84%10.46%1.01%-7.79%-2,080 bps
Deposit Growth (YoY)24.54%24.38%35.18%26.02%4.19%-2,034 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%-0.03%-0.01%0.17%0.14%+19 bps
Allowance / Loans1.06%1.04%1.09%1.59%1.68%+62 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 Capital11.42%11.19%11.41%12.09%12.97%+155 bps
Equity / Assets8.24%8.00%8.17%15.89%16.83%+860 bps
Liquidity & Funding
Loans / Deposits81.87%80.03%76.98%72.42%72.46%-942 bps
Liquid Assets / Assets1.85%2.13%2.87%3.38%2.20%+35 bps
CRE / Total Capitaln/an/an/an/an/an/an/a