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First Bank of Haskell, The

Haskell, OK · Cert 4110

FDIC

Q4 2006

$26.0MAssets
$22.5MLoans
$22.2MDeposits
$2.2MEquity
Deposit mix
79%Interest-bearing $17.6M21%Noninterest $4.6MQ4 2005Q4 2006

NIM

6.94%Q4 ’046.88%Q4 ’057.18%Q4 ’06-6%-7%

Non-interest income vs. expense

4.06%Q4 ’043.85%Q4 ’053.82%Q4 ’06-7%+2%

Executive Summary

  • Earnings: ROA of 1.62%, down 32 bps year over year; NIM at 5.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 101.13% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

1.62%-32 bps YoY

Net Interest Margin (YTD, annualized)

5.01%-39 bps YoY

Efficiency Ratio (YTD, annualized)

59.13%+355 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.93%1.36%1.73%1.44%1.62%-32 bps
Return on Equity22.40%16.27%20.63%17.25%19.27%-313 bps
Net Interest Margin5.40%5.14%5.13%5.10%5.01%-39 bps
Efficiency Ratio55.58%63.53%57.39%61.26%59.13%+355 bps
Non-Interest Burden2.32%2.76%2.31%2.56%2.37%+5 bps
Growth
Asset Growth (YoY)10.71%5.19%5.38%6.11%1.17%-954 bps
Loan Growth (YoY)12.82%8.90%7.93%8.45%5.01%-781 bps
Deposit Growth (YoY)7.97%2.81%8.79%2.26%4.04%-394 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.02%0.03%+1 bps
Allowance / Loans1.06%1.08%1.08%1.11%1.14%+8 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 Capital11.88%12.18%12.18%12.08%12.24%+36 bps
Equity / Assets8.25%8.44%8.42%8.30%8.61%+37 bps
Liquidity & Funding
Loans / Deposits100.19%97.58%99.99%101.18%101.13%+94 bps
Liquid Assets / Assets0.02%0.03%0.04%0.07%0.01%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a