Wetumka, OK · Cert 10675
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.47% | 1.19% | 1.08% | 1.29% | 1.14% | 3.39% | 2.95% | +187 bps | |
| Return on Equity | 10.26% | 17.01% | 13.68% | 12.77% | 15.33% | 13.44% | 38.22% | 31.62% | +1,885 bps | |
| Net Interest Margin | 5.25% | 5.37% | 5.34% | 5.41% | 5.19% | 5.25% | 4.96% | 5.60% | +19 bps | |
| Efficiency Ratio | 76.30% | 66.56% | 68.28% | 70.17% | 66.67% | 70.15% | 70.68% | 59.15% | -1,102 bps | |
| Non-Interest Burden | 3.68% | 3.03% | 3.19% | 3.39% | 2.97% | 3.37% | 3.15% | 2.68% | -71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | 2.27% | 4.73% | 7.64% | 6.08% | 9.34% | 4.82% | -0.03% | -767 bps | |
| Loan Growth (YoY) | 4.48% | 5.21% | 4.26% | 13.91% | 11.38% | 11.54% | 11.11% | 1.81% | -1,210 bps | |
| Deposit Growth (YoY) | 3.71% | 2.22% | 4.69% | 1.16% | 1.62% | 5.22% | 1.58% | 2.63% | +147 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.28% | 0.01% | 0.07% | 0.14% | 0.04% | -0.30% | 0.31% | +24 bps | |
| Allowance / Loans | 1.00% | 1.03% | 1.05% | 0.99% | 1.01% | 1.05% | 1.12% | 1.04% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.43% | 12.64% | 12.78% | 11.88% | 12.11% | 12.08% | 13.09% | 13.25% | +138 bps | |
| Equity / Assets | 8.55% | 8.76% | 8.65% | 8.26% | 8.53% | 8.42% | 9.31% | 9.34% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.78% | 84.71% | 82.57% | 91.16% | 90.73% | 89.80% | 90.32% | 90.42% | -73 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 0.03% | 0.05% | 0.10% | 0.05% | 0.09% | 0.05% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |