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Prime Bank

Edmond, OK · Cert 58804

FDIC · 1 branch

Q2 2020

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 2020, the quarter ended June 30, 2020, 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

Prime Bank

Edmond, OK · Cert 58804

FDIC · 1 branch

Q2 2020

$309.2MAssets
$265.3MLoans
$267.8MDeposits
$37.5MEquity
Loan mix
72%RE $145.9M27%C&I $55.2M1%Consumer $1.0MQ2 2019Q2 2020
Deposit mix
83%Interest-bearing $221.0M17%Noninterest $46.8MQ2 2019Q2 2020

NIM

5.39%Q2 ’185.73%Q2 ’194.88%Q2 ’20-6%-15%

Non-interest income vs. expense

1.99%Q2 ’181.83%Q2 ’191.57%Q2 ’20-15%-3%

Market Position · Oklahoma City, OK · 2020 SOD (annual) · 0.6% share · #30 of 72 inst. · $0.3B of $42.5B

Executive Summary

  • Earnings: ROA of 2.11%, down 53 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.13% of loans (+13 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.35%, down 30 bps from a year ago.
  • Funding: loans stand at 99.05% of deposits as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

2.11%-53 bps YoY

Net Interest Margin (YTD, annualized)

3.61%-62 bps YoY

Efficiency Ratio (YTD, annualized)

42.62%+211 bps YoY

Tier 1 Leverage Ratio

12.35%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets2.64%2.58%2.55%2.14%2.11%-53 bps
Return on Equity20.62%20.22%19.93%16.24%16.42%-420 bps
Net Interest Margin4.23%4.20%4.00%3.74%3.61%-62 bps
Efficiency Ratio40.51%39.85%39.72%45.14%42.62%+211 bps
Non-Interest Burden1.53%1.54%1.47%1.61%1.49%-5 bps
Growth
Asset Growth (YoY)3.57%4.51%6.74%5.36%10.83%+726 bps
Loan Growth (YoY)3.33%4.02%1.52%-1.88%2.57%-76 bps
Deposit Growth (YoY)17.94%27.35%20.78%10.45%17.57%-37 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.77%0.94%0.20%0.13%+13 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.04%0.02%-1 bps
Allowance / Loans1.07%1.07%1.08%1.07%1.01%-6 bps
Allowance Coverage of NPLsn/a1.4x1.1x5.4x7.7xn/a
Capital
Tier 1 Leverage Ratio12.65%12.78%12.86%13.30%12.35%-30 bps
Total Risk-Based Capital14.84%15.06%15.64%13.30%12.35%-248 bps
Equity / Assets12.53%12.60%13.02%13.40%12.12%-41 bps
Liquidity & Funding
Loans / Deposits113.54%106.70%102.90%101.77%99.05%-1,449 bps
Liquid Assets / Assets5.27%4.00%5.11%2.33%11.58%+631 bps
CRE / Total Capitaln/an/an/an/an/an/an/a