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Weststar Bank

Bartlesville, OK · Cert 4039

FDIC

Q1 2002

$467.2MAssets
$273.6MLoans
$405.9MDeposits
$46.4MEquity
Loan mix
55%RE $70.5M43%C&I $54.7M2%Consumer $2.4MQ1 2001Q1 2002
Deposit mix
86%Interest-bearing $347.7M14%Noninterest $58.2MQ1 2001Q1 2002

NIM

6.87%Q1 ’015.19%Q1 ’02+0%

Non-interest income vs. expense

4.02%Q1 ’013.79%Q1 ’02-19%

Executive Summary

  • Earnings: ROA of 1.40%, up 50 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.24%.
  • Funding: loans stand at 67.40% of deposits as of Q1 2002.

Financial Results

Return on Assets (YTD, annualized)

1.40%+50 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+1 bps YoY

Efficiency Ratio (YTD, annualized)

66.33%-597 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.90%0.95%0.99%0.97%1.40%+50 bps
Return on Equityn/an/an/an/a13.99%n/an/a
Net Interest Margin3.53%3.43%3.48%3.55%3.54%+1 bps
Efficiency Ratio72.30%71.70%72.01%72.57%66.33%-597 bps
Non-Interest Burden1.99%1.88%1.93%1.98%1.62%-37 bps
Growth
Asset Growth (YoY)2.78%7.18%4.08%1.85%-3.23%-601 bps
Loan Growth (YoY)9.08%1.63%2.90%1.42%-3.09%-1,217 bps
Deposit Growth (YoY)8.95%9.68%4.33%3.78%-1.84%-1,079 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%0.03%0.05%0.06%0.24%+29 bps
Allowance / Loans1.26%1.25%1.22%1.22%1.19%-7 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 Capital12.51%12.51%12.68%12.07%11.45%-106 bps
Equity / Assets10.40%10.11%10.83%10.11%9.94%-46 bps
Liquidity & Funding
Loans / Deposits68.26%65.76%70.74%66.45%67.40%-87 bps
Liquid Assets / Assets0.01%0.01%0.01%0.00%0.00%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a