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First National Bank of Nash, The

Nash, OK · Cert 4155

FDIC · 1 branch

Q4 2015

$17.0MAssets
$4.6MLoans
$15.5MDeposits
$1.4MEquity
Loan mix
29%RE $0.8M44%C&I $1.2M27%Consumer $0.7MQ1 2014Q4 2015
Deposit mix
54%Interest-bearing $8.4M46%Noninterest $7.1MQ1 2014Q4 2015

Executive Summary

  • Earnings: ROA of 0.17%, down 4 bps year over year; NIM at 2.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.43%.
  • Capital: tier 1 leverage ratio of 7.94%.
  • Funding: loans stand at 29.75% of deposits as of Q4 2015.

Return on Assets (YTD, annualized)

0.17%-4 bps YoY

Net Interest Margin (YTD, annualized)

2.16%+11 bps YoY

Efficiency Ratio (YTD, annualized)

90.87%+396 bps YoY

Tier 1 Leverage Ratio

7.94%

NIM

2.18%Q4 ’132.13%Q4 ’142.24%Q4 ’15-1%+5%

Non-interest income vs. expense

2.19%Q4 ’132.08%Q4 ’142.27%Q4 ’15-7%+11%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.43%0.40%0.35%0.22%0.30%0.27%0.29%0.17%-4 bps
Return on Equity6.17%5.83%4.93%3.11%3.99%3.55%3.77%2.26%-85 bps
Net Interest Margin2.11%2.05%1.94%2.06%2.22%2.23%2.14%2.16%+11 bps
Efficiency Ratio78.99%79.08%81.13%86.91%85.34%85.65%85.04%90.87%+396 bps
Non-Interest Burden1.60%1.56%1.52%1.75%1.86%1.87%1.78%1.94%+19 bps
Growth
Asset Growth (YoY)8.41%19.04%7.11%-0.59%-6.02%-10.44%-3.58%-12.47%-1,187 bps
Loan Growth (YoY)35.94%3.15%-15.87%-2.37%1.62%-0.40%7.18%-18.75%-1,638 bps
Deposit Growth (YoY)8.86%20.26%7.33%-0.98%-6.68%-11.29%-3.94%-13.52%-1,255 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.43%+43 bps
Allowance / Loans0.49%0.49%0.62%0.62%0.58%0.59%0.70%0.32%-29 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a7.61%7.72%7.61%7.94%n/a
Total Risk-Based Capital15.41%15.28%17.93%16.17%21.06%16.15%17.80%18.89%+272 bps
Equity / Assets7.00%6.80%7.35%7.19%7.65%7.74%7.80%8.40%+121 bps
Liquidity & Funding
Loans / Deposits32.51%31.23%26.59%31.66%35.40%35.07%29.67%29.75%-192 bps
Liquid Assets / Assets57.67%57.12%57.71%49.05%53.18%50.13%53.63%53.60%+455 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a