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Rose Rock Bank

Oklahoma City, OK · Cert 58058

FDIC

Q3 2007

$402.9MAssets
$322.6MLoans
$309.3MDeposits
$65.8MEquity
Deposit mix
82%Interest-bearing $253.6M18%Noninterest $55.7MQ4 2005Q3 2007

Executive Summary

  • Earnings: ROA of 1.60%, down 69 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 104.29% of deposits as of Q3 2007.

Return on Assets (quarter, annualized)

1.60%-69 bps YoY

Net Interest Margin (quarter, annualized)

4.43%-36 bps YoY

Efficiency Ratio (quarter, annualized)

55.22%+1,069 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.82%Q3 ’057.31%Q3 ’067.31%Q3 ’07+16%-8%

Non-interest income vs. expense

2.98%Q3 ’052.93%Q3 ’063.24%Q3 ’07-3%+15%

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.57%1.56%1.52%2.28%2.09%1.70%1.65%1.60%-69 bps
Return on Equity10.11%9.75%8.82%12.67%11.44%9.80%10.26%10.00%-268 bps
Net Interest Margin4.29%4.37%4.64%4.79%4.65%4.51%4.47%4.43%-36 bps
Efficiency Ratio44.18%44.23%46.87%44.53%46.42%51.52%52.99%55.22%+1,069 bps
Non-Interest Burden2.25%2.30%2.58%2.51%2.56%2.76%2.83%2.88%+37 bps
Growth
Asset Growth (YoY)n/an/a-3.75%-3.88%-6.89%-3.61%4.86%2.41%+629 bps
Loan Growth (YoY)n/an/a1.57%-2.54%-4.28%-1.50%5.12%0.32%+286 bps
Deposit Growth (YoY)n/an/a-8.74%-0.87%3.70%2.33%11.54%2.58%+344 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 / Loans-0.07%-0.04%-0.01%0.05%-0.03%-0.01%-0.02%-0.03%-9 bps
Allowance / Loans0.56%0.76%0.95%0.95%0.92%0.95%0.92%0.97%+2 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 Capital10.85%12.24%13.12%13.99%14.05%11.82%11.00%11.96%-203 bps
Equity / Assets15.22%16.74%17.77%18.26%18.19%16.58%15.62%16.32%-194 bps
Liquidity & Funding
Loans / Deposits119.65%111.24%111.25%106.64%110.45%107.07%104.85%104.29%-235 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a