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Morris State Bank, The

Morris, OK · Cert 429

FDIC · 1 branch

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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

Morris State Bank, The

Morris, OK · Cert 429

FDIC · 1 branch

Q2 2018

$76.3MAssets
$56.8MLoans
$64.4MDeposits
$6.5MEquity
Loan mix
80%RE $40.7M6%C&I $3.0M14%Consumer $7.4MQ2 2017Q2 2018
Deposit mix
80%Interest-bearing $51.2M20%Noninterest $13.2MQ2 2017Q2 2018

NIM

4.68%Q2 ’164.70%Q2 ’174.80%Q2 ’18-1%0%

Non-interest income vs. expense

3.07%Q2 ’163.15%Q2 ’172.97%Q2 ’18+0%-4%

Market Position · Tulsa, OK · 2018 SOD (annual) · 0.3% share · #39 of 59 inst. · $0.1B of $25.5B

Executive Summary

  • Earnings: ROA of 0.81%, down 102 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.38% of loans (+3 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 8.83%, up 10 bps from a year ago.
  • Funding: loans stand at 88.19% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

0.81%-102 bps YoY

Net Interest Margin (YTD, annualized)

4.08%-1 bps YoY

Efficiency Ratio (YTD, annualized)

60.20%-248 bps YoY

Tier 1 Leverage Ratio

8.83%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets1.83%1.89%1.85%0.15%0.81%-102 bps
Return on Equity21.91%22.50%22.21%1.89%9.75%-1,216 bps
Net Interest Margin4.09%4.10%4.03%3.97%4.08%-1 bps
Efficiency Ratio62.68%61.42%61.63%61.45%60.20%-248 bps
Non-Interest Burden2.21%2.16%2.14%2.11%2.12%-9 bps
Growth
Asset Growth (YoY)-1.77%-1.35%3.93%1.31%1.62%+339 bps
Loan Growth (YoY)-2.08%1.75%6.13%4.86%3.00%+508 bps
Deposit Growth (YoY)1.44%-3.00%-5.73%-4.25%-5.83%-727 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.35%0.26%0.62%0.38%+3 bps
Net Charge-Offs / Loans0.06%0.05%0.12%0.11%0.10%+4 bps
Allowance / Loans1.08%1.05%0.97%0.98%0.99%-9 bps
Allowance Coverage of NPLs3.1x3.0x3.7x1.6x2.6x-0.5x
Capital
Tier 1 Leverage Ratio8.73%8.80%8.61%8.16%8.83%+10 bps
Total Risk-Based Capital15.49%15.34%14.75%14.61%15.48%-1 bps
Equity / Assets8.61%8.58%8.17%8.13%8.51%-10 bps
Liquidity & Funding
Loans / Deposits80.63%88.99%94.77%88.65%88.19%+756 bps
Liquid Assets / Assets8.18%8.06%7.81%8.05%7.73%-44 bps
CRE / Total Capitaln/an/an/an/an/an/an/a