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Eastman National Bank of Newkirk, The

Newkirk, OK · Cert 4156

FDIC · 4 branches

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Eastman National Bank of Newkirk, The

Newkirk, OK · Cert 4156

FDIC · 4 branches

Q3 2017

$256.7MAssets
$186.5MLoans
$219.8MDeposits
$25.5MEquity
Loan mix
63%RE $78.3M33%C&I $40.8M5%Consumer $5.7MQ3 2016Q3 2017
Deposit mix
69%Interest-bearing $150.7M31%Noninterest $69.1MQ3 2016Q3 2017

NIM

4.04%Q3 ’154.32%Q3 ’164.20%Q3 ’17+7%-3%

Non-interest income vs. expense

2.45%Q3 ’152.50%Q3 ’162.43%Q3 ’17-3%-4%

Executive Summary

  • Earnings: ROA of 1.04%, down 62 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 2.47% of loans (+247 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.76%, down 134 bps from a year ago.
  • Funding: loans stand at 84.84% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

1.04%-62 bps YoY

Net Interest Margin (YTD, annualized)

4.08%-13 bps YoY

Efficiency Ratio (YTD, annualized)

48.88%-11 bps YoY

Tier 1 Leverage Ratio

9.76%-134 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets1.66%1.69%1.58%1.49%1.04%-62 bps
Return on Equity15.55%16.13%16.09%14.94%10.44%-511 bps
Net Interest Margin4.21%4.21%4.26%4.05%4.08%-13 bps
Efficiency Ratio48.99%49.86%49.42%50.25%48.88%-11 bps
Non-Interest Burden1.60%1.65%1.65%1.60%1.54%-6 bps
Growth
Asset Growth (YoY)2.20%-1.14%-1.45%-0.18%0.79%-141 bps
Loan Growth (YoY)10.42%4.84%1.22%0.05%1.52%-891 bps
Deposit Growth (YoY)-0.33%1.03%1.13%2.27%5.33%+566 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%1.02%0.83%2.47%+247 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.05%0.09%+9 bps
Allowance / Loans1.43%1.52%1.58%1.53%2.03%+60 bps
Allowance Coverage of NPLsn/an/a1.5x1.9x0.8xn/a
Capital
Tier 1 Leverage Ratio11.10%9.44%10.05%10.22%9.76%-134 bps
Total Risk-Based Capital16.75%14.76%15.18%15.42%15.36%-139 bps
Equity / Assets11.37%9.72%9.97%10.23%9.92%-145 bps
Liquidity & Funding
Loans / Deposits88.02%87.26%83.41%83.19%84.84%-318 bps
Liquid Assets / Assets0.25%0.00%2.20%0.52%0.91%+66 bps
CRE / Total Capitaln/an/an/an/an/an/an/a