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First Bank of Fairland, The

Fairland, OK · Cert 4096

FDIC · 1 branch

Q1 2016

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: Q1 2016, the quarter ended March 31, 2016, 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 Bank of Fairland, The

Fairland, OK · Cert 4096

FDIC · 1 branch

Q1 2016

$10.7MAssets
$8.2MLoans
$9.1MDeposits
$1.3MEquity
Loan mix
77%RE $5.3M11%C&I $0.8M12%Consumer $0.8MQ1 2015Q1 2016
Deposit mix
68%Interest-bearing $6.2M32%Noninterest $3.0MQ1 2015Q1 2016

NIM

4.46%Q1 ’144.45%Q1 ’154.62%Q1 ’16+2%+4%

Non-interest income vs. expense

4.18%Q1 ’144.45%Q1 ’153.98%Q1 ’16+5%-13%

Executive Summary

  • Earnings: ROA of 1.42%, up 59 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.56%, up 112 bps from a year ago.
  • Funding: loans stand at 90.24% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

1.42%+59 bps YoY

Net Interest Margin (YTD, annualized)

4.52%+17 bps YoY

Efficiency Ratio (YTD, annualized)

73.61%-1,074 bps YoY

Tier 1 Leverage Ratio

10.56%+112 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.83%0.88%0.92%0.91%1.42%+59 bps
Return on Equity7.34%7.80%8.13%7.89%11.63%+429 bps
Net Interest Margin4.36%4.33%4.40%4.56%4.52%+17 bps
Efficiency Ratio84.35%82.76%82.31%82.59%73.61%-1,074 bps
Non-Interest Burden3.45%3.35%3.39%3.53%3.00%-44 bps
Growth
Asset Growth (YoY)-5.19%-1.00%-3.77%-4.31%-2.68%+251 bps
Loan Growth (YoY)-4.76%-3.22%1.00%0.33%10.48%+1,524 bps
Deposit Growth (YoY)-5.92%-1.19%-4.62%-5.19%-5.84%+8 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.05%0.00%0 bps
Allowance / Loans0.71%0.69%0.66%0.61%0.60%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.44%9.42%9.59%9.99%10.56%+112 bps
Total Risk-Based Capital19.68%20.61%20.06%19.51%21.37%+169 bps
Equity / Assets11.46%11.04%11.80%12.01%12.44%+98 bps
Liquidity & Funding
Loans / Deposits76.91%76.19%84.37%85.04%90.24%+1,333 bps
Liquid Assets / Assets23.14%20.48%17.75%15.06%15.15%-799 bps
CRE / Total Capitaln/an/an/an/an/an/an/a