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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

5.36%Q3 ’105.31%Q3 ’115.10%Q3 ’12+2%-2%

Non-interest income vs. expense

4.47%Q3 ’103.30%Q3 ’113.58%Q3 ’12-26%+6%

Executive Summary

  • Earnings: ROA of 1.17%, down 52 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
  • Funding: loans stand at 85.26% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

1.17%-52 bps YoY

Net Interest Margin (quarter, annualized)

4.28%-9 bps YoY

Efficiency Ratio (quarter, annualized)

80.37%+621 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.69%1.17%1.25%-0.24%1.17%-52 bps
Return on Equity15.00%10.08%10.69%-2.01%9.17%-582 bps
Net Interest Margin4.37%4.16%4.01%3.95%4.28%-9 bps
Efficiency Ratio74.16%84.27%77.17%104.38%80.37%+621 bps
Non-Interest Burden3.22%3.49%3.03%4.13%3.41%+19 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 / Loans0.00%0.09%0.00%0.00%0.25%+25 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