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Weleetka State Bank

Weleetka, OK · Cert 4225

FDIC

Q4 2003

$20.2MAssets
$15.7MLoans
$18.1MDeposits
$1.6MEquity
Deposit mix
82%Interest-bearing $14.8M18%Noninterest $3.3MQ1 2002Q4 2003

Executive Summary

  • Earnings: ROA of 1.70%, down 71 bps year over year; NIM at 5.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 86.81% of deposits as of Q4 2003.

Return on Assets (YTD, annualized)

1.70%-71 bps YoY

Net Interest Margin (YTD, annualized)

5.72%+30 bps YoY

Efficiency Ratio (YTD, annualized)

60.33%+1,101 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

8.60%Q4 ’017.35%Q4 ’027.34%Q4 ’03-5%+6%

Non-interest income vs. expense

3.89%Q4 ’013.66%Q4 ’024.15%Q4 ’03-36%+81%

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.65%1.85%2.54%2.40%1.24%1.51%1.62%1.70%-71 bps
Return on Equity22.52%24.96%34.74%33.07%17.14%20.55%21.58%22.29%-1,078 bps
Net Interest Margin5.56%5.71%5.70%5.42%5.42%5.30%5.52%5.72%+30 bps
Efficiency Ratio60.90%55.94%47.70%49.32%71.68%63.41%61.01%60.33%+1,101 bps
Non-Interest Burden2.79%2.53%1.46%1.66%3.59%2.98%2.95%2.99%+134 bps
Growth
Asset Growth (YoY)12.27%6.63%14.42%12.71%9.42%12.72%-1.19%-3.16%-1,587 bps
Loan Growth (YoY)7.63%4.15%4.24%1.30%0.28%0.53%-0.31%3.01%+171 bps
Deposit Growth (YoY)6.70%8.41%21.08%24.77%13.50%13.62%0.16%-1.58%-2,635 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 / Loans0.24%0.07%0.12%0.11%0.51%0.28%0.18%0.17%+6 bps
Allowance / Loans1.70%1.75%1.71%1.79%1.70%1.65%1.61%1.57%-22 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 Capital11.39%11.68%11.17%11.52%12.28%12.38%12.18%11.96%+44 bps
Equity / Assets7.25%7.55%7.01%7.11%7.36%7.51%8.11%8.00%+89 bps
Liquidity & Funding
Loans / Deposits91.23%91.78%87.43%82.95%80.60%81.21%87.02%86.81%+387 bps
Liquid Assets / Assets0.06%0.05%0.06%0.09%0.07%0.08%0.05%0.03%-6 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a