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First National Bank in Pawhuska

Pawhuska, OK · Cert 4174

FDIC · 2 branches

Q4 2014

$28.7MAssets
$7.8MLoans
$25.2MDeposits
$3.3MEquity
Loan mix
61%RE $3.7M7%C&I $0.4M32%Consumer $1.9MQ1 2013Q4 2014
Deposit mix
65%Interest-bearing $16.3M35%Noninterest $8.9MQ1 2013Q4 2014

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

Executive Summary

  • Earnings: ROA of 0.59%, down 23 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.52%.
  • Funding: loans stand at 31.13% of deposits as of Q4 2014.

Return on Assets (YTD, annualized)

0.59%-23 bps YoY

Net Interest Margin (YTD, annualized)

2.80%-30 bps YoY

Efficiency Ratio (YTD, annualized)

84.82%-647 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.80%Q4 ’123.52%Q4 ’133.19%Q4 ’14-8%-10%

Non-interest income vs. expense

4.25%Q4 ’123.95%Q4 ’133.42%Q4 ’14-2%-20%

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.49%1.60%1.09%0.82%0.40%0.46%0.54%0.59%-23 bps
Return on Equity4.53%14.51%9.80%7.40%3.73%4.19%4.98%5.33%-207 bps
Net Interest Margin3.21%3.18%3.17%3.10%2.83%2.71%2.81%2.80%-30 bps
Efficiency Ratio84.77%85.33%88.31%91.29%90.03%88.36%86.38%84.82%-647 bps
Non-Interest Burden2.51%2.52%2.64%2.72%2.42%2.26%2.27%2.18%-53 bps
Growth
Asset Growth (YoY)-4.78%-6.06%-5.93%-1.21%-2.51%2.09%7.77%-1.34%-13 bps
Loan Growth (YoY)-16.71%-16.68%-18.60%-17.38%-12.64%-12.04%-13.30%-13.09%+429 bps
Deposit Growth (YoY)-5.54%-7.32%-6.60%-1.40%-2.57%2.53%8.77%-1.60%-20 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 / Loans1.29%0.60%0.49%0.14%-0.27%-0.63%-0.53%-0.52%-67 bps
Allowance / Loans7.28%4.61%4.76%5.12%5.26%5.75%6.14%6.41%+129 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital26.97%29.36%29.24%30.23%29.17%31.18%31.83%34.41%+418 bps
Equity / Assets10.43%11.41%11.45%11.11%10.60%11.14%10.82%11.64%+53 bps
Liquidity & Funding
Loans / Deposits36.99%38.16%37.10%35.24%33.17%32.74%29.57%31.13%-412 bps
Liquid Assets / Assets14.69%15.72%15.93%12.06%11.61%12.04%11.88%11.88%-17 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a