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SAFE & SOUND® STAR RATINGS

ALLNATIONS BANK

114 EAST MAIN
CALUMET, Oklahoma 73014

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 146056




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$48,775$49,552$44,612
Loans Receivable, Net19,43019,85215,997
Mortgage-Backed Securities17,17916,12615,926
Investments3,4264,1843,930
Deposits43,73544,00339,508
Borrowings000
Equity4,9585,3024,924
Net Interest Income1,5461,5011,245
Fee Income9611184
Overhead1,3051,1851,035
Net Operating Income-458436335
Net Income-281269221
Ratio Analysis Profitability%%%
Return on Assets *-0.560.560.48
Operating Return on Assets *-0.910.900.73
Return on Equity *-5.315.224.51
Net Interest Margin *3.383.433.06
Fee Income / Assets *0.190.230.18
Overhead / Assets *2.602.452.27
Efficiency Ratio76.4570.9675.88
Asset Quality%%%
Nonperforming Assets / Assets1.531.020.31
Nonperforming Assets / Equity & Loss Reserves13.778.812.66
Loss Reserves / Nonperforming Loans63.3781.51240.71
1-4 Fam Mtg + MBS / Assets38.3434.8037.66
Commercial Real Estate Loans / Assets0.830.850.40
Construction Loans / Assets1.071.315.57
Commercial & Industrial Loans / Assets15.8014.288.36
Consumer Loans / Assets8.4010.056.46
Capitalization%%%
Equity / Assets10.1710.7011.04
Tangible Capital / Tangible Assets8.479.049.20
Risk-based Capital Ratio16.7618.6420.21
Liquidity%%%
Loans / Deposits44.4345.1240.49
Non-Interest Bearing Deposits / Deposits12.8112.9911.65
Purchased Liabilities0.000.870.48

* Calculations are based on the latest four quarters of income and expense.
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