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Letter portraitLegal landscapeQuarterYTD

Guarantee State Bank, The

Mangum, OK · Cert 9470

FDIC

Q2 2006

$54.1MAssets
$39.2MLoans
$45.9MDeposits
$4.7MEquity
Deposit mix
85%Interest-bearing $38.8M15%Noninterest $7.0MQ2 2005Q2 2006

NIM

6.11%Q2 ’047.23%Q2 ’057.25%Q2 ’06+11%-6%

Non-interest income vs. expense

5.28%Q2 ’045.53%Q2 ’054.79%Q2 ’060%-14%

Executive Summary

  • Earnings: ROA of 0.84%, up 8 bps year over year; NIM at 5.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 85.54% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

0.84%+8 bps YoY

Net Interest Margin (YTD, annualized)

5.07%-31 bps YoY

Efficiency Ratio (YTD, annualized)

77.28%-576 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.76%0.82%0.76%0.70%0.84%+8 bps
Return on Equity8.97%9.50%8.64%7.64%9.29%+32 bps
Net Interest Margin5.38%5.53%5.55%5.12%5.07%-31 bps
Efficiency Ratio83.04%80.93%81.85%80.00%77.28%-576 bps
Non-Interest Burden4.25%4.23%4.32%3.86%3.66%-59 bps
Growth
Asset Growth (YoY)-1.13%-7.28%-10.19%-3.03%1.85%+297 bps
Loan Growth (YoY)1.68%-5.57%-16.26%-6.40%-7.89%-957 bps
Deposit Growth (YoY)-2.74%-1.91%-3.01%-1.84%6.03%+877 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.09%0.14%0.07%0.05%-5 bps
Allowance / Loans0.51%0.56%0.61%0.67%0.74%+22 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 Capital11.21%11.92%12.45%12.61%12.61%+140 bps
Equity / Assets8.90%9.27%9.22%9.19%8.66%-24 bps
Liquidity & Funding
Loans / Deposits98.47%99.51%92.81%94.21%85.54%-1,293 bps
Liquid Assets / Assets0.24%0.20%0.25%0.23%0.40%+16 bps
CRE / Total Capitaln/an/an/an/an/an/an/a