Tulsa, OK · Charter 10149
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tulsa, OK · Charter 10149
Q1 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | -2.23% | -1.13% | -1.53% | -1.14% | 0.69% | 0.53% | -0.03% | +150 bps | |
| Return on Equity | 1.49% | -21.25% | -10.55% | -14.87% | -11.12% | 6.58% | 5.57% | -0.30% | +1,457 bps | |
| Net Interest Margin | 3.82% | 4.09% | 3.88% | 3.92% | 3.94% | 4.43% | 4.01% | 3.39% | -53 bps | |
| Efficiency Ratio | 84.26% | 85.70% | 69.16% | 74.59% | 76.79% | 80.71% | 81.05% | 94.39% | +1,980 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.02% | -0.82% | 0.59% | 0.61% | 2.43% | -3.76% | 10.69% | 21.75% | +2,114 bps | |
| Loan Growth (YoY) | -11.82% | -14.74% | -15.11% | -12.26% | -7.73% | -3.16% | 17.43% | 18.54% | +3,080 bps | |
| Share Growth (YoY) | -2.44% | -0.40% | 1.46% | 2.21% | 4.04% | -3.77% | 12.11% | 23.68% | +2,148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.88% | 2.07% | 5.05% | 2.72% | 4.02% | 1.70% | 1.18% | 2.42% | -31 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 | 0.64% | 0.32% | 0.83% | 0.93% | 0.90% | 0.72% | 0.81% | 0.61% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.63% | 10.48% | 10.67% | 10.28% | 10.21% | 10.49% | 9.53% | 8.87% | -142 bps | |
| Net Worth / Assets | 11.63% | 10.48% | 10.67% | 10.28% | 10.21% | 10.49% | 9.53% | 8.87% | -142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.00% | 77.76% | 75.80% | 76.50% | 77.16% | 78.25% | 79.41% | 73.32% | -318 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |