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Clayton State Bank

Clayton, OK · Cert 409

FDIC

Q2 2002

$22.8MAssets
$8.8MLoans
$20.6MDeposits
$2.1MEquity
Deposit mix
67%Interest-bearing $13.8M33%Noninterest $6.8MQ2 2001Q2 2002

NIM

6.94%Q1 ’017.10%Q2 ’015.73%Q2 ’02+8%-5%

Non-interest income vs. expense

3.00%Q1 ’012.98%Q2 ’012.44%Q2 ’02-12%-18%

Executive Summary

  • Earnings: ROA of 2.08%, down 7 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 42.67% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

2.08%-7 bps YoY

Net Interest Margin (quarter, annualized)

4.39%-25 bps YoY

Efficiency Ratio (quarter, annualized)

45.17%-554 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets2.15%1.70%1.52%2.11%2.08%-7 bps
Return on Equity19.29%15.14%14.25%21.24%21.59%+230 bps
Net Interest Margin4.64%4.32%4.81%4.60%4.39%-25 bps
Efficiency Ratio50.71%56.39%58.39%49.66%45.17%-554 bps
Non-Interest Burden1.74%2.00%2.39%1.77%1.43%-31 bps
Growth
Asset Growth (YoY)7.17%13.01%11.44%12.14%13.88%+671 bps
Loan Growth (YoY)34.26%35.31%37.66%30.16%11.03%-2,323 bps
Deposit Growth (YoY)7.23%13.89%13.08%14.12%16.16%+893 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%-0.15%0.75%-0.14%0.27%+22 bps
Allowance / Loans1.18%1.18%1.29%1.30%1.22%+4 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 Capital23.58%24.64%20.28%20.90%18.49%-509 bps
Equity / Assets11.02%11.40%9.99%9.92%9.40%-162 bps
Liquidity & Funding
Loans / Deposits44.64%45.04%47.83%45.71%42.67%-197 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