Duncan, OK · Charter 11321
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.37% | 4.62% | 4.55% | 4.30% | 4.24% | 3.88% | 0.88% | 0.80% | -350 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.44% | 4.64% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 75.56% | 78.17% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.81% | 9.51% | 7.01% | 4.97% | 7.02% | 12.55% | 10.11% | 1.87% | -310 bps | |
| Loan Growth (YoY) | 18.58% | 25.47% | 11.02% | 2.21% | 10.63% | 1.82% | 0.08% | -1.93% | -413 bps | |
| Share Growth (YoY) | 10.41% | 9.89% | 6.83% | 4.03% | 6.98% | 13.84% | 10.54% | 0.19% | -384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 2.24% | 2.23% | 2.23% | 2.24% | 1.45% | 2.90% | 0.99% | -124 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 | 1.28% | 1.25% | 1.20% | 1.24% | 0.92% | 1.20% | 1.23% | 0.94% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.08% | 98.76% | 104.64% | 95.49% | 99.36% | 88.33% | 94.74% | 93.47% | -202 bps | |
| Liquid Assets / Assets | 19.36% | 17.83% | 15.32% | 23.12% | 15.66% | 26.62% | 9.23% | 9.43% | -1,369 bps | |