Blackwell, OK · Cert 11636
FDIC
Q2 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.84% | -1.07% | -8.52% | 0.57%1 | -1.99% | -115 bps | |
| Return on Equity | -8.30% | -10.57% | -98.02% | 24.40% | -92.49% | -8,418 bps | |
| Net Interest Margin | 3.04% | 3.19% | 3.06% | 2.82% | 2.83% | -21 bps | |
| Efficiency Ratio | 85.08% | 87.32% | 121.90% | 112.01% | 128.31% | +4,323 bps | |
| Non-Interest Burden | 2.42% | 2.65% | 4.13% | 3.28% | 3.92% | +150 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.12% | -9.77% | -13.38% | -14.31% | -19.18% | -906 bps | |
| Loan Growth (YoY) | -19.50% | -14.98% | -19.86% | -22.99% | -27.03% | -753 bps | |
| Deposit Growth (YoY) | -6.42% | -4.91% | -2.02% | -3.44% | -10.29% | -387 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 4.47% | 3.09% | 11.14% | 1.66% | 6.87% | +240 bps | |
| Allowance / Loans | 2.78% | 3.29% | 5.86% | 5.82% | 5.28% | +250 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 12.94% | 12.47% | 3.64% | 3.89% | 3.20% | -975 bps | |
| Equity / Assets | 9.90% | 9.92% | 2.38% | 2.26% | 1.77% | -813 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.04% | 86.46% | 75.59% | 71.74% | 69.17% | -1,587 bps | |
| Liquid Assets / Assets | 3.31% | 2.79% | 5.00% | 3.81% | 4.10% | +79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |