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First State Bank of Porter

Porter, OK · Cert 4180

FDIC · 3 branches

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, 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 State Bank of Porter

Porter, OK · Cert 4180

FDIC · 3 branches

Q1 2015

$35.9MAssets
$27.6MLoans
$29.9MDeposits
$5.5MEquity
Loan mix
53%RE $9.6M28%C&I $5.1M19%Consumer $3.5MQ1 2014Q1 2015
Deposit mix
63%Interest-bearing $18.9M37%Noninterest $10.9MQ1 2014Q1 2015

NIM

6.23%Q1 ’136.07%Q1 ’146.06%Q1 ’15-2%+0%

Non-interest income vs. expense

4.65%Q1 ’134.62%Q1 ’144.72%Q1 ’15+2%-3%

Market Position · Tulsa, OK · 2014 SOD (annual) · 0.1% share · #56 of 59 inst. · $0.0B of $23.3B

3.2% Mayes
3.3% Wagoner

Executive Summary

  • Earnings: ROA of 2.31%, up 14 bps year over year; NIM at 5.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 15.28%.
  • Funding: loans stand at 92.48% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

2.31%+14 bps YoY

Net Interest Margin (YTD, annualized)

5.89%+2 bps YoY

Efficiency Ratio (YTD, annualized)

66.61%-81 bps YoY

Tier 1 Leverage Ratio

15.28%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets2.16%2.00%2.06%2.17%2.31%+14 bps
Return on Equity14.57%13.70%14.02%14.54%14.89%+32 bps
Net Interest Margin5.87%5.84%5.78%5.98%5.89%+2 bps
Efficiency Ratio67.42%68.95%69.75%68.76%66.61%-81 bps
Non-Interest Burden3.64%3.76%3.71%3.76%3.52%-12 bps
Growth
Asset Growth (YoY)0.31%1.83%2.68%3.05%-1.68%-200 bps
Loan Growth (YoY)-1.29%-3.01%-3.93%3.34%-0.04%+126 bps
Deposit Growth (YoY)1.88%4.04%5.52%2.41%-1.76%-364 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.04%-0.03%-0.03%-0.03%-1 bps
Allowance / Loans1.31%1.38%1.45%1.41%1.43%+12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a15.28%n/an/a
Total Risk-Based Capital21.24%20.32%22.28%22.23%20.35%-89 bps
Equity / Assets14.61%14.08%15.20%15.57%15.41%+80 bps
Liquidity & Funding
Loans / Deposits90.88%87.60%91.28%94.40%92.48%+159 bps
Liquid Assets / Assets6.48%6.58%8.07%7.95%7.79%+131 bps
CRE / Total Capitaln/an/an/an/an/an/an/a