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State Guaranty Bank

Okeene, OK · Cert 5995

FDIC · 1 branch

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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

State Guaranty Bank

Okeene, OK · Cert 5995

FDIC · 1 branch

Q1 2019

$54.0MAssets
$34.7MLoans
$47.7MDeposits
$5.8MEquity
Loan mix
78%RE $17.4M20%C&I $4.6M2%Consumer $0.4MQ1 2018Q1 2019
Deposit mix
84%Interest-bearing $40.1M16%Noninterest $7.7MQ1 2018Q1 2019

NIM

3.63%Q1 ’173.84%Q1 ’184.41%Q1 ’19+3%+11%

Non-interest income vs. expense

2.01%Q1 ’171.56%Q1 ’181.62%Q1 ’19-32%+17%

Executive Summary

  • Earnings: ROA of 2.28%, up 17 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.06%, up 58 bps from a year ago.
  • Funding: loans stand at 72.70% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

2.28%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+36 bps YoY

Efficiency Ratio (YTD, annualized)

40.27%-84 bps YoY

Tier 1 Leverage Ratio

11.06%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets2.11%1.97%1.91%1.60%2.28%+17 bps
Return on Equity20.04%18.49%17.75%14.74%20.67%+63 bps
Net Interest Margin3.30%3.38%3.43%3.60%3.66%+36 bps
Efficiency Ratio41.11%44.70%46.60%55.01%40.27%-84 bps
Non-Interest Burden1.06%1.27%1.38%1.82%1.25%+18 bps
Growth
Asset Growth (YoY)9.78%4.33%-0.06%-4.97%-0.15%-993 bps
Loan Growth (YoY)5.95%-2.76%-1.10%-2.09%-1.23%-718 bps
Deposit Growth (YoY)10.52%4.76%-0.07%-5.93%-0.83%-1,135 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.02%-0.02%0.01%+3 bps
Allowance / Loans0.78%0.86%0.89%0.93%0.97%+19 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.48%10.83%11.14%11.45%11.06%+58 bps
Total Risk-Based Capital15.13%16.17%16.14%16.29%15.98%+85 bps
Equity / Assets10.29%10.88%10.99%11.40%10.70%+41 bps
Liquidity & Funding
Loans / Deposits72.99%73.59%75.50%78.46%72.70%-30 bps
Liquid Assets / Assets0.94%0.97%0.00%0.00%0.00%-93 bps
CRE / Total Capitaln/an/an/an/an/an/an/a