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Summit Bank

Tulsa, OK · Cert 57289

FDIC

Q2 2013

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 2013, the quarter ended June 30, 2013, 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

Summit Bank

Tulsa, OK · Cert 57289

FDIC

Q2 2013

$256.2MAssets
$214.1MLoans
$226.1MDeposits
$24.7MEquity
Loan mix
54%RE $91.4M45%C&I $75.9M1%Consumer $2.3MQ2 2012Q2 2013
Deposit mix
68%Interest-bearing $154.3M32%Noninterest $71.8MQ2 2012Q2 2013

NIM

4.68%Q2 ’114.42%Q2 ’124.22%Q2 ’13-4%-1%

Non-interest income vs. expense

3.11%Q2 ’112.89%Q2 ’122.63%Q2 ’13-8%-9%

Executive Summary

  • Earnings: ROA of 1.49%, up 25 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 94.67% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

1.49%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.86%-6 bps YoY

Efficiency Ratio (YTD, annualized)

63.03%-472 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets1.24%1.38%1.45%1.37%1.49%+25 bps
Return on Equity13.13%14.61%15.65%15.18%16.16%+303 bps
Net Interest Margin3.92%3.94%3.82%3.82%3.86%-6 bps
Efficiency Ratio67.75%64.44%62.98%63.83%63.03%-472 bps
Non-Interest Burden2.54%2.42%2.27%2.32%2.32%-23 bps
Growth
Asset Growth (YoY)15.95%16.14%20.67%14.23%9.09%-686 bps
Loan Growth (YoY)26.55%18.60%14.01%9.19%4.61%-2,194 bps
Deposit Growth (YoY)17.64%20.43%25.37%15.90%10.32%-732 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.19%0.14%0.10%0.05%0.03%-16 bps
Allowance / Loans1.37%1.43%1.46%1.46%1.43%+6 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 Capital12.28%12.54%12.73%13.23%13.30%+102 bps
Equity / Assets9.36%9.39%8.77%9.27%9.64%+28 bps
Liquidity & Funding
Loans / Deposits99.83%97.16%88.62%90.86%94.67%-516 bps
Liquid Assets / Assets4.79%5.59%12.34%11.55%8.24%+345 bps
CRE / Total Capitaln/an/an/an/an/an/an/a