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Letter portraitLegal landscapeQuarterYTD

State National Bank of Heavener, The

Heavener, OK · Cert 4112

FDIC

Q1 2001

$44.4MAssets
$29.2MLoans
$39.6MDeposits
$4.6MEquity
Deposit mix
86%Interest-bearing $34.2M14%Noninterest $5.4MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of -0.11%, down 66 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.16%.
  • Funding: loans stand at 73.71% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

-0.11%-66 bps YoY

Net Interest Margin (quarter, annualized)

3.77%

Efficiency Ratio (quarter, annualized)

90.85%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.55%0.58%0.00%-0.09%-0.11%-66 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.77%n/an/a
Efficiency Ration/an/an/an/a90.85%n/an/a
Non-Interest Burdenn/an/an/an/a3.39%n/an/a
Growth
Asset Growth (YoY)-6.10%-6.35%-3.01%-5.97%-5.05%+105 bps
Loan Growth (YoY)3.14%-1.68%-5.58%-11.88%-13.71%-1,684 bps
Deposit Growth (YoY)-6.75%-7.50%-4.44%-6.46%-6.85%-10 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a1.16%n/an/a
Allowance / Loansn/an/an/an/a1.40%n/an/a
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 Capitaln/an/an/an/a16.69%n/an/a
Equity / Assetsn/an/an/an/a10.33%n/an/a
Liquidity & Funding
Loans / Deposits79.56%78.41%77.66%76.02%73.71%-586 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%2.92%+292 bps
CRE / Total Capitaln/an/an/an/an/an/an/a