Slide 1: Bancfirst
Bancfirst
Slide 2: BancFirst
BancFirst Corporation Financial Holding Company Super Community Bank Insurance Agency Total Assets: $5.77 billion Total Equity: $528 million 1,700+ Employees Largest State Chartered Bank in Oklahoma Symbol BANF on NASDAQ Global Select
Slide 3: Locations
Locations BANCFIRST titmen LOCATIONS + 1.7004 Employees + 93 Stated ofces + 50 Communities +290 + 230 + 300+ Total ATMs including (Oklahoma Walgreens, 7-even, and E2:G0 sat communities
Slide 4: Oklahoma
Oklahoma vs US Single-Family Housing Permits Bureau
Slide 5: Oklahoma
Oklahoma vs US Housing Prices Source: FHLMC Housing Price Index
Slide 6: Oklahoma
Oklahoma vs US Non-farm Employment Source: Bureau of Labor Statistics
Slide 7: Total Assets
say Total Assets “Te Oklahoma Yue ($ in Millions) $1,000
Slide 8: Average Deposit Mix
Average Deposit Mix No brokered deposits
Slide 9: Capital Ratios
Capital Ratios March 31, 2013 BancFirst BancFirst Well (Bank) Corp _ Capitalized Total CapitaVRisk Assets 13.63% 14.75% > 10.00% Tier 1 CapitalRisk Assets 12.55% 13.67% >6.00% Leverage Ratio 7.90% 861% >5.00% (Tier 1 CapitaTA) Tang. Com Eq/TA TAS 8.08% > 3.00%
Slide 10: BancFirst Total Loans
BancFirst Total Loans - Be ($ in Millions) $3,500 $3,000 $2,500 $2,000 $1,500 |—________ $1,000 $500 {am $0
Slide 11: Loan Portfolio Composition
Loan Portfolio Composition As of 12/31/2012
Slide 12: Nonperforming Assets to Total Assets
Source: Federal Deposit Insurance Corporation FDIC Insured Institutions: Nonperforming Assets to Total Assets
Slide 13: Net Charge-Offs to Loans & Leases
FDIC Insured Institutions: Net Charge-Offs to Loans & Leases Source: Federal Deposit Insurance Corporation
Slide 14: Noninterest Income
Noninterest Income (Excluding Securities Transactions) ~iEPTTaGee 893 1904 1985 1556 1997 1958 1 2000 2801 ZNO 2805 ZUM 2005 2806 DOGT ZOE 2009 2800 711 212 OA Ct mo
Slide 15: Net Interest Margin Comparison
Net Interest Margin Comparison
Slide 16: Volume/Rate Analysis
BancFirst my Loyal | To Oklahoma &-Your Volume/Rate Analysis $20,000 = ¥10,000 [ } i oll 2 Cll = 2006 2007 2003 2010 201 £10.00) é 2,00) ($30,000) (Change in Net Interest Income OVolme ORate
Slide 17: Noninterest Income (Excluding Securities Transactions)
Noninterest Income (Excluding Securities Transactions)
Slide 18: Noninterest Income Initiatives
Noninterest Income FYE 12/31/2012 Initiatives Velocity overdraft program Insurance Agency Cash management model Merchant services
Slide 19: Sweep Fees and Sweep Account Balances
Sweep Fees and Sweep Account Balances
Slide 20: Net Income Per Share (Fully Diluted)
Net Income Per Share (Fully Diluted)
Slide 21: Mergers and Acquisitions
Mergers and Acquisitions Community Profile Population of 5,000 or more residents Institution of Higher Learning Diversified Employment Base Reasonable Market Share Compatible Culture Reasonable Growth
Slide 22: Stock Performance vs the General Market since IPO
Stock Performance vs the General Market since IPO Average increase in common stock price since IPO has been 10.8% vs. S&P 500 of 8.6%.
Slide 23: One of America's Best Banks
One of America’s Best Banks BANCFIRST IS RATED AS ONE OF THE NATION'S STRONGEST AND SAFEST BANKS Forbes 2013 MOA EE BEST BANKS Sremos IN AMERICA BancFirst Ee
Slide 24: Summary
Summary Solid Asset Quality Strong Capital Exceptional Liquidity Invested Management No TARP Solid Market Economy Acquisition/Conversion Expertise Expand Market Share – Oklahoma Failed or Problem Bank Acquisitions Stock Buybacks
Slide 25: Forward-Looking Statements
Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934 with respect to earnings and other financial information, corporate objectives, and other business m