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Interbank, National Association

Elk City, OK · Cert 4191

FDIC

Q3 2010

$233.5MAssets
$213.0MLoans
$201.7MDeposits
$31.3MEquity
Deposit mix
85%Interest-bearing $171.8M15%Noninterest $29.8MQ3 2009Q3 2010

NIM

5.76%Q3 ’085.58%Q3 ’095.61%Q3 ’10+11%+6%

Non-interest income vs. expense

3.36%Q3 ’083.83%Q3 ’093.64%Q3 ’10+33%-9%

Executive Summary

  • Earnings: ROA of 2.19%, up 60 bps year over year; NIM at 4.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 105.60% of deposits as of Q3 2010.

Financial Results

Return on Assets (quarter, annualized)

2.19%+60 bps YoY

Net Interest Margin (quarter, annualized)

4.77%+26 bps YoY

Efficiency Ratio (quarter, annualized)

53.88%-326 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets1.60%1.93%1.90%1.87%2.19%+60 bps
Return on Equity11.12%14.10%15.07%14.59%16.49%+537 bps
Net Interest Margin4.51%4.76%4.52%4.51%4.77%+26 bps
Efficiency Ratio57.15%53.96%55.26%55.68%53.88%-326 bps
Non-Interest Burden2.87%2.77%2.56%2.57%2.60%-27 bps
Growth
Asset Growth (YoY)-0.64%0.27%6.27%6.34%6.74%+738 bps
Loan Growth (YoY)7.09%-0.21%5.10%13.37%9.09%+199 bps
Deposit Growth (YoY)3.52%-0.90%7.65%7.70%9.65%+612 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.04%0.06%0.05%0.08%+4 bps
Allowance / Loans1.04%1.00%0.98%0.95%0.94%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.47%11.98%12.62%12.74%12.90%-56 bps
Equity / Assets14.51%12.89%12.41%13.21%13.39%-112 bps
Liquidity & Funding
Loans / Deposits106.14%105.00%96.52%104.38%105.60%-54 bps
Liquid Assets / Assets2.14%0.90%7.75%1.69%0.78%-137 bps
CRE / Total Capitaln/an/an/an/an/an/an/a