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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 $7.0MQ3 2004Q2 2006

Executive Summary

  • Earnings: ROA of 0.98%, up 10 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 85.54% of deposits as of Q2 2006.

Return on Assets (quarter, annualized)

0.98%+10 bps YoY

Net Interest Margin (quarter, annualized)

5.10%-39 bps YoY

Efficiency Ratio (quarter, annualized)

74.57%-645 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.40%Q2 ’047.27%Q2 ’057.40%Q2 ’06+7%-7%

Non-interest income vs. expense

5.40%Q2 ’045.37%Q2 ’054.65%Q2 ’06+3%-17%

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.64%0.67%0.66%0.87%0.96%0.56%0.70%0.98%+10 bps
Return on Equity8.77%8.42%8.02%9.92%10.53%6.06%7.64%10.96%+104 bps
Net Interest Margin5.50%5.30%4.78%5.49%5.73%5.61%5.12%5.10%-39 bps
Efficiency Ratio82.35%82.50%85.03%81.03%76.91%84.69%80.00%74.57%-645 bps
Non-Interest Burden4.31%4.16%3.87%4.23%4.11%4.61%3.86%3.52%-71 bps
Growth
Asset Growth (YoY)14.03%13.06%3.71%-1.13%-7.28%-10.19%-3.03%1.85%+297 bps
Loan Growth (YoY)30.81%25.23%7.67%1.68%-5.57%-16.26%-6.40%-7.89%-957 bps
Deposit Growth (YoY)5.19%3.15%-0.96%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.25%-0.05%0.24%0.07%0.28%0.07%0.02%-22 bps
Allowance / Loans0.53%0.50%0.57%0.51%0.56%0.61%0.67%0.74%+22 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.29%9.65%11.17%11.21%11.92%12.45%12.61%12.61%+140 bps
Equity / Assets7.92%7.87%8.72%8.90%9.27%9.22%9.19%8.66%-24 bps
Liquidity & Funding
Loans / Deposits103.37%107.50%98.79%98.47%99.51%92.81%94.21%85.54%-1,293 bps
Liquid Assets / Assets0.21%0.06%0.42%0.24%0.20%0.25%0.23%0.40%+16 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a