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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

6.95%Q4 ’047.18%Q4 ’057.46%Q4 ’06-5%-9%

Non-interest income vs. expense

4.02%Q4 ’043.83%Q4 ’053.40%Q4 ’06-8%-14%

Executive Summary

  • Earnings: ROA of 2.13%, down 1 bps year over year; NIM at 4.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 101.13% of deposits as of Q4 2006.

Financial Results

Return on Assets (quarter, annualized)

2.13%-1 bps YoY

Net Interest Margin (quarter, annualized)

4.96%-50 bps YoY

Efficiency Ratio (quarter, annualized)

52.74%-148 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets2.14%1.36%2.09%0.87%2.13%-1 bps
Return on Equity25.59%16.27%24.81%10.46%25.18%-41 bps
Net Interest Margin5.45%5.14%5.23%5.12%4.96%-50 bps
Efficiency Ratio54.22%63.53%51.65%69.02%52.74%-148 bps
Non-Interest Burden2.22%2.76%1.92%3.09%1.91%-30 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%0.00%0.05%0.05%+3 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