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Oasis Bank, SSB

Houston, TX · Cert 58342

FDIC

Q3 2012

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: Q3 2012, the quarter ended September 30, 2012, 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 2026-10-10

Oasis Bank, SSB

Houston, TX · Cert 58342

FDIC

Q3 2012

$77.3MAssets
$57.3MLoans
$67.2MDeposits
$10.0MEquity
Loan mix
98%RE $51.7M1%C&I $0.5M1%Consumer $0.7MQ3 2011Q3 2012
Deposit mix
87%Interest-bearing $58.8M13%Noninterest $8.4MQ3 2011Q3 2012

NIM

5.07%Q3 ’105.20%Q3 ’115.05%Q3 ’12+6%-2%

Non-interest income vs. expense

5.22%Q3 ’103.67%Q3 ’113.79%Q3 ’12-34%+8%

Executive Summary

  • Earnings: ROA of 0.73%, down 30 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 85.26% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.73%-30 bps YoY

Net Interest Margin (YTD, annualized)

4.16%-10 bps YoY

Efficiency Ratio (YTD, annualized)

87.12%+720 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.03%1.06%1.25%0.52%0.73%-30 bps
Return on Equity9.20%9.43%10.69%4.32%5.95%-326 bps
Net Interest Margin4.25%4.22%4.01%3.93%4.16%-10 bps
Efficiency Ratio79.92%80.96%77.17%90.61%87.12%+720 bps
Non-Interest Burden3.33%3.37%3.03%3.54%3.60%+26 bps
Growth
Asset Growth (YoY)5.80%6.44%1.72%-4.40%-4.61%-1,041 bps
Loan Growth (YoY)1.03%1.64%0.22%-7.38%-3.30%-433 bps
Deposit Growth (YoY)6.98%7.59%2.04%-4.51%-4.30%-1,127 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.20%0.17%0.00%0.00%0.08%-11 bps
Allowance / Loans1.00%1.03%1.06%1.05%0.99%-2 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 Capital23.34%24.44%26.02%26.19%26.79%+345 bps
Equity / Assets11.47%11.72%11.72%12.66%12.89%+143 bps
Liquidity & Funding
Loans / Deposits84.37%83.27%78.71%85.52%85.26%+88 bps
Liquid Assets / Assets19.59%21.56%23.14%18.38%17.50%-209 bps
CRE / Total Capitaln/an/an/an/an/an/an/a