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First National Bank of Edmond

Edmond, OK · Cert 34377

FDIC · 9 branches

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

First National Bank of Edmond

Edmond, OK · Cert 34377

FDIC · 9 branches

Q3 2015

$289.5MAssets
$209.5MLoans
$246.1MDeposits
$35.5MEquity
Loan mix
68%RE $113.2M30%C&I $50.9M2%Consumer $2.9MQ3 2014Q3 2015
Deposit mix
71%Interest-bearing $173.8M29%Noninterest $72.3MQ3 2014Q3 2015

NIM

4.24%Q3 ’134.27%Q3 ’144.33%Q3 ’15+3%+4%

Non-interest income vs. expense

3.57%Q3 ’133.58%Q3 ’144.58%Q3 ’15+16%+38%

Market Position · Oklahoma City, OK · 2015 SOD (annual) · 0.7% share · #27 of 70 inst. · $0.2B of $28.9B

0.9% Oklahoma
0.6% Douglas
0.1% Arapahoe
0.1% El Paso

Executive Summary

  • Earnings: ROA of 0.00%, down 63 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.42%.
  • Funding: loans stand at 85.15% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.00%1-63 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+15 bps YoY

Efficiency Ratio (YTD, annualized)

96.28%+1,949 bps YoY

Tier 1 Leverage Ratio

11.42%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.63%0.64%0.69%0.73%0.00%1-63 bps
Return on Equity5.68%5.71%5.89%6.12%0.04%-564 bps
Net Interest Margin3.83%3.78%3.81%3.82%3.98%+15 bps
Efficiency Ratio76.79%76.82%76.43%76.00%96.28%+1,949 bps
Non-Interest Burden2.75%2.72%2.75%2.72%3.79%+103 bps
Growth
Asset Growth (YoY)-4.22%-1.31%-2.09%-2.51%-4.09%+13 bps
Loan Growth (YoY)-2.17%-1.51%-3.03%-1.65%-4.38%-222 bps
Deposit Growth (YoY)-4.25%-2.77%-4.16%-4.04%-3.95%+30 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.85%-0.03%-0.03%-0.01%-4 bps
Allowance / Loans2.54%1.76%1.78%1.79%2.05%-49 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a11.44%11.66%11.42%n/a
Total Risk-Based Capital15.19%14.82%15.35%16.32%16.71%+152 bps
Equity / Assets11.58%11.71%11.86%12.24%12.26%+69 bps
Liquidity & Funding
Loans / Deposits85.54%83.17%84.45%85.47%85.15%-38 bps
Liquid Assets / Assets1.55%0.99%1.43%6.49%7.33%+578 bps
CRE / Total Capitaln/an/an/an/an/an/an/a