PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Pawnee, The

Pawnee, OK · Cert 4177

FDIC · 1 branch

Q4 2019

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: Q4 2019, the quarter ended December 31, 2019, 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

First National Bank of Pawnee, The

Pawnee, OK · Cert 4177

FDIC · 1 branch

Q4 2019

$60.1MAssets
$24.2MLoans
$51.1MDeposits
$8.9MEquity
Loan mix
68%RE $7.4M16%C&I $1.8M16%Consumer $1.7MQ4 2018Q4 2019
Deposit mix
71%Interest-bearing $36.4M29%Noninterest $14.7MQ4 2018Q4 2019

NIM

3.65%Q4 ’173.94%Q4 ’183.94%Q4 ’19+5%-1%

Non-interest income vs. expense

3.28%Q4 ’173.32%Q4 ’183.46%Q4 ’19+1%+5%

Market Position · Tulsa, OK · 2019 SOD (annual) · 0.2% share · #45 of 57 inst. · $0.0B of $26.6B

Executive Summary

  • Earnings: ROA of 0.49%, down 36 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 10.62% of loans (+812 bps YoY), with net charge-offs at 0.34%.
  • Capital: tier 1 leverage ratio of 14.63%, up 7 bps from a year ago.
  • Funding: loans stand at 47.33% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

0.49%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.61%-5 bps YoY

Efficiency Ratio (YTD, annualized)

80.47%+392 bps YoY

Tier 1 Leverage Ratio

14.63%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.84%1.22%1.21%0.68%0.49%-36 bps
Return on Equity6.30%8.60%8.31%4.57%3.28%-302 bps
Net Interest Margin3.66%3.76%3.81%3.87%3.61%-5 bps
Efficiency Ratio76.54%72.70%72.65%75.35%80.47%+392 bps
Non-Interest Burden2.64%2.53%2.58%2.75%2.77%+13 bps
Growth
Asset Growth (YoY)-3.85%-4.83%-5.55%-4.53%-0.09%+376 bps
Loan Growth (YoY)10.55%1.36%0.67%-3.35%-9.66%-2,021 bps
Deposit Growth (YoY)-2.31%-2.01%-2.61%-1.39%-1.14%+118 bps
Asset Quality
Nonperforming Loans / Loans2.50%2.35%2.19%2.70%10.62%+812 bps
Net Charge-Offs / Loans0.10%-0.14%0.22%0.62%0.34%+24 bps
Allowance / Loans1.61%1.71%1.59%2.02%2.32%+71 bps
Allowance Coverage of NPLs0.6x0.7x0.7x0.7x0.2x-0.4x
Capital
Tier 1 Leverage Ratio14.55%14.64%14.64%14.79%14.63%+7 bps
Total Risk-Based Capital27.68%28.20%28.13%28.10%27.46%-22 bps
Equity / Assets13.96%14.48%15.38%15.49%14.83%+87 bps
Liquidity & Funding
Loans / Deposits51.79%50.81%53.03%51.95%47.33%-446 bps
Liquid Assets / Assets8.45%8.02%8.62%8.31%8.05%-40 bps
CRE / Total Capitaln/an/an/an/an/an/an/a