Ada, OK · Charter 10117
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.60% | 5.88% | 6.03% | 5.29% | -4.32% | -8.23% | -5.09% | 2.14% | -315 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -327% | 83.10% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.18% | 2.87% | 3.13% | 4.20% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 62.15% | 83.88% | 67.95% | 49.11% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.59% | 40.78% | 26.05% | 17.88% | 5.95% | -16.17% | -9.72% | -12.07% | -2,995 bps | |
| Loan Growth (YoY) | 40.38% | 30.91% | 24.30% | 17.38% | -4.45% | -3.96% | -6.32% | -5.34% | -2,273 bps | |
| Share Growth (YoY) | 41.75% | 42.46% | 26.04% | 17.68% | 10.90% | -9.80% | -0.91% | -4.94% | -2,262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 2.51% | 1.85% | 1.67% | 19.36% | 9.62% | 7.49% | 4.96% | +329 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.25% | 0.89% | 1.14% | 4.72% | 5.78% | 6.20% | 6.13% | +498 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 1.56% | 2.58% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 1.56% | 2.58% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.20% | 90.79% | 96.57% | 91.23% | 84.60% | 96.65% | 91.30% | 90.84% | -39 bps | |
| Liquid Assets / Assets | 6.16% | 8.57% | 6.50% | 9.48% | 14.31% | 6.02% | 6.04% | 14.91% | +543 bps | |