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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 $9.6MQ4 2004Q3 2006

Executive Summary

  • Earnings: ROA of 0.93%, down 79 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 101.03% of deposits as of Q3 2006.

Return on Assets (YTD, annualized)

0.93%-79 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-159 bps YoY

Efficiency Ratio (YTD, annualized)

62.42%-291 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.63%Q3 ’046.40%Q3 ’054.81%Q3 ’06+3%-36%

Non-interest income vs. expense

3.32%Q3 ’043.38%Q3 ’052.23%Q3 ’06+6%-29%

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.57%1.86%1.79%1.72%1.60%0.00%0.74%0.93%-79 bps
Return on Equity16.85%19.76%19.40%17.18%15.40%0.00%5.41%6.16%-1,102 bps
Net Interest Margin4.30%4.52%4.49%4.38%4.32%4.58%2.31%2.79%-159 bps
Efficiency Ratio63.05%62.19%64.21%65.33%64.53%67.35%71.35%62.42%-291 bps
Non-Interest Burden2.37%2.51%2.57%2.58%2.50%2.94%1.59%1.83%-75 bps
Growth
Asset Growth (YoY)9.06%17.08%11.32%3.65%13.56%17.34%31.38%22.55%+1,890 bps
Loan Growth (YoY)10.37%11.80%6.40%-3.33%10.61%19.33%15.05%11.58%+1,492 bps
Deposit Growth (YoY)12.13%19.69%-0.54%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.41%0.00%0.00%0.01%0.15%1.23%0.00%0.10%+10 bps
Allowance / Loans1.18%1.19%1.22%1.25%1.21%1.21%1.23%1.31%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.06%10.94%10.41%13.85%12.84%11.76%11.68%13.17%-68 bps
Equity / Assets9.56%9.26%8.92%12.16%12.03%10.72%17.65%19.10%+693 bps
Liquidity & Funding
Loans / Deposits111.84%102.83%120.27%102.53%108.96%110.32%97.03%101.03%-150 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a