First National Bank in Pawhuska

Pawhuska, OK · Cert 4174

FDIC · 2 branches

Q4 2014

$28.7MAssets

$7.8MLoans

$25.2MDeposits

$3.3MEquity

Loan mix

Deposit mix

NIM

Market Position · Tulsa, OK · 2014 SOD (annual) · 0.1% share · #51 of 59 inst. · $0.0B of $23.3B

Earnings: ROA of 0.71%, up 70 bps year over year; NIM at 2.75%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.46%.
Funding: loans stand at 31.13% of deposits as of Q4 2014.

Return on Assets (quarter, annualized)

0.71%+70 bps YoY

Net Interest Margin (quarter, annualized)

2.75%-20 bps YoY

Efficiency Ratio (quarter, annualized)

80.38%-2,104 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	0.01%	0.40%	0.51%	0.71%	0.71%	+70 bps
Return on Equity	0.12%	3.73%	4.67%	6.51%	6.35%	+622 bps
Net Interest Margin	2.96%	2.83%	2.70%	2.95%	2.75%	-20 bps
Efficiency Ratio	101.42%	90.03%	86.57%	82.69%	80.38%	-2,104 bps
Non-Interest Burden	3.01%	2.42%	2.20%	2.23%	1.93%	-108 bps
Growth
Asset Growth (YoY)	-1.21%	-2.51%	2.09%	7.77%	-1.34%	-13 bps
Loan Growth (YoY)	-17.38%	-12.64%	-12.04%	-13.30%	-13.09%	+429 bps
Deposit Growth (YoY)	-1.40%	-2.57%	2.53%	8.77%	-1.60%	-20 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-0.93%	-0.27%	-0.99%	-0.25%	-0.46%	+47 bps
Allowance / Loans	5.12%	5.26%	5.75%	6.14%	6.41%	+129 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	30.23%	29.17%	31.18%	31.83%	34.41%	+418 bps
Equity / Assets	11.11%	10.60%	11.14%	10.82%	11.64%	+53 bps
Liquidity & Funding
Loans / Deposits	35.24%	33.17%	32.74%	29.57%	31.13%	-412 bps
Liquid Assets / Assets	12.06%	11.61%	12.04%	11.88%	11.88%	-17 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a