PackageTrendsPeer
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Gold Bank

Hennessey, OK · Cert 413

FDIC

Q1 2004

$1.1BAssets
$584.9MLoans
$783.9MDeposits
$91.2MEquity
Loan mix
42%RE $105.3M58%C&I $146.0M0%Consumer $0.0MQ1 2003Q1 2004
Deposit mix
96%Interest-bearing $753.9M4%Noninterest $30.0MQ1 2003Q1 2004

NIM

6.00%Q1 ’025.50%Q1 ’034.69%Q1 ’04-2%-12%

Non-interest income vs. expense

2.15%Q1 ’022.10%Q1 ’031.87%Q1 ’040%-26%

Executive Summary

  • Earnings: ROA of 1.25%, up 24 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
  • Funding: loans stand at 74.61% of deposits as of Q1 2004.

Financial Results

Return on Assets (YTD, annualized)

1.25%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.89%-39 bps YoY

Efficiency Ratio (YTD, annualized)

51.42%-293 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets1.01%1.03%1.00%1.19%1.25%+24 bps
Return on Equity12.57%12.90%12.60%14.93%15.31%+274 bps
Net Interest Margin3.27%3.01%2.94%2.92%2.89%-39 bps
Efficiency Ratio54.36%52.11%53.07%49.64%51.42%-293 bps
Non-Interest Burden1.51%1.21%1.25%1.02%1.12%-39 bps
Growth
Asset Growth (YoY)15.61%16.92%11.81%8.58%1.90%-1,371 bps
Loan Growth (YoY)5.81%-3.20%-4.24%-6.23%-16.67%-2,248 bps
Deposit Growth (YoY)8.01%2.25%1.95%5.66%1.17%-684 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.73%0.73%0.67%0.68%0.25%-48 bps
Allowance / Loans1.31%1.37%1.37%1.25%1.38%+7 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 Capital10.65%10.96%11.32%11.39%12.49%+183 bps
Equity / Assets7.83%7.86%7.91%8.08%8.23%+40 bps
Liquidity & Funding
Loans / Deposits90.58%92.28%89.28%87.38%74.61%-1,597 bps
Liquid Assets / Assets5.94%5.24%4.60%4.26%4.00%-193 bps
CRE / Total Capitaln/an/an/an/an/an/an/a