Wetumka, OK · Cert 10675
FDIC
Q2 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.90% | 1.19% | 1.13% | 1.19% | 1.18% | 3.39% | 3.17% | +204 bps | |
| Return on Equity | 8.32% | 10.54% | 13.68% | 13.25% | 13.96% | 13.85% | 38.22% | 35.10% | +2,185 bps | |
| Net Interest Margin | 5.30% | 5.25% | 5.34% | 5.31% | 5.16% | 5.16% | 4.96% | 5.27% | -4 bps | |
| Efficiency Ratio | 76.74% | 74.07% | 68.28% | 69.24% | 68.37% | 68.80% | 70.68% | 64.48% | -476 bps | |
| Non-Interest Burden | 3.75% | 3.53% | 3.19% | 3.25% | 3.09% | 3.14% | 3.15% | 2.91% | -34 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 | 0.32% | 0.31% | 0.01% | 0.04% | 0.07% | 0.07% | -0.30% | 0.01% | -3 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 |