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Edmond Bank and Trust

Edmond, OK · Cert 34996

FDIC

Q3 2006

$92.4MAssets
$74.3MLoans
$73.6MDeposits
$17.6MEquity
Deposit mix
87%Interest-bearing $64.0M13%Noninterest $9.6MQ3 2005Q3 2006

NIM

6.05%Q3 ’046.85%Q3 ’057.29%Q3 ’06-2%-5%

Non-interest income vs. expense

3.34%Q3 ’043.44%Q3 ’053.25%Q3 ’06+15%-5%

Executive Summary

  • Earnings: ROA of 1.24%, down 32 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.31%.
  • Funding: loans stand at 101.03% of deposits as of Q3 2006.

Financial Results

Return on Assets (quarter, annualized)

1.24%-32 bps YoY

Net Interest Margin (quarter, annualized)

4.15%-24 bps YoY

Efficiency Ratio (quarter, annualized)

53.57%-1,408 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.56%1.29%0.00%1.40%1.24%-32 bps
Return on Equity14.80%10.66%0.00%9.75%6.75%-806 bps
Net Interest Margin4.39%4.56%4.58%0.31%4.15%-24 bps
Efficiency Ratio67.65%62.30%67.35%109.17%53.57%-1,408 bps
Non-Interest Burden2.74%2.52%2.94%0.40%2.61%-14 bps
Growth
Asset Growth (YoY)3.65%13.56%17.34%31.38%22.55%+1,890 bps
Loan Growth (YoY)-3.33%10.61%19.33%15.05%11.58%+1,492 bps
Deposit Growth (YoY)12.87%13.54%11.23%42.60%13.24%+36 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.58%1.23%-1.26%0.31%+29 bps
Allowance / Loans1.25%1.21%1.21%1.23%1.31%+6 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 Capital13.85%12.84%11.76%11.68%13.17%-68 bps
Equity / Assets12.16%12.03%10.72%17.65%19.10%+693 bps
Liquidity & Funding
Loans / Deposits102.53%108.96%110.32%97.03%101.03%-150 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a