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Letter portraitLegal landscapeQuarterYTD

City National Bank and Trust Company of Guymon, The

Guymon, OK · Cert 4107

FDIC · 1 branch

Q2 2018

$171.7MAssets
$79.8MLoans
$133.3MDeposits
$18.4MEquity
Loan mix
72%RE $49.9M13%C&I $8.9M15%Consumer $10.6MQ2 2017Q2 2018
Deposit mix
76%Interest-bearing $101.7M24%Noninterest $31.6MQ2 2017Q2 2018

NIM

3.63%Q2 ’163.77%Q2 ’173.96%Q2 ’18+4%+2%

Non-interest income vs. expense

2.64%Q2 ’162.66%Q2 ’172.34%Q2 ’180%-16%

Executive Summary

  • Earnings: ROA of 0.46%, down 75 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.32% of loans (+27 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 10.81%, down 6 bps from a year ago.
  • Funding: loans stand at 59.86% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

0.46%-75 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+8 bps YoY

Efficiency Ratio (YTD, annualized)

57.84%-940 bps YoY

Tier 1 Leverage Ratio

10.81%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets1.21%1.30%1.22%1.65%0.46%-75 bps
Return on Equity11.43%11.94%11.19%15.28%4.27%-716 bps
Net Interest Margin3.35%3.45%3.45%3.34%3.43%+8 bps
Efficiency Ratio67.24%65.58%69.11%56.44%57.84%-940 bps
Non-Interest Burden2.05%2.04%2.11%1.62%1.72%-33 bps
Growth
Asset Growth (YoY)-4.43%-4.77%-0.28%-0.88%1.14%+556 bps
Loan Growth (YoY)2.54%0.71%-0.55%-3.76%-1.67%-421 bps
Deposit Growth (YoY)-4.08%-4.54%1.20%0.85%-0.61%+347 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.29%0.08%0.18%0.32%+27 bps
Net Charge-Offs / Loans0.00%0.14%0.14%0.21%0.10%+10 bps
Allowance / Loans1.05%1.00%1.03%1.02%1.03%-2 bps
Allowance Coverage of NPLs21.3x3.5x12.9x5.7x3.2x-18.1x
Capital
Tier 1 Leverage Ratio10.87%11.35%11.46%11.04%10.81%-6 bps
Total Risk-Based Capital22.01%23.20%23.45%23.33%22.54%+53 bps
Equity / Assets10.94%11.71%10.91%10.69%10.70%-24 bps
Liquidity & Funding
Loans / Deposits60.51%63.62%56.94%55.55%59.86%-65 bps
Liquid Assets / Assets29.27%29.61%27.49%29.48%32.63%+336 bps
CRE / Total Capitaln/an/an/an/an/an/an/a