Quapaw, OK · Cert 11865
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Quapaw, OK · Cert 11865
FDIC
Q4 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 0.39% | 0.24% | 0.03% | -0.59% | -0.12% | -0.06% | -1.05% | -108 bps | |
| Return on Equity | 6.96% | 1.74% | 1.08% | 0.12% | -2.53% | -0.51% | -0.25% | -4.57% | -469 bps | |
| Net Interest Margin | 3.74% | 3.46% | 3.61% | 3.44% | 3.40% | 3.62% | 3.91% | 4.06% | +62 bps | |
| Efficiency Ratio | 98.61% | 108.70% | 107.21% | 109.63% | 114.71% | 102.00% | 100.00% | 122.11% | +1,248 bps | |
| Non-Interest Burden | 3.69% | 3.78% | 3.89% | 3.80% | 3.99% | 3.71% | 3.91% | 5.10% | +130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.57% | -6.38% | -2.10% | -1.46% | -9.36% | -3.63% | -8.24% | -8.86% | -741 bps | |
| Loan Growth (YoY) | -2.28% | -10.47% | -8.84% | -10.89% | 0.27% | 16.47% | 6.91% | 14.31% | +2,520 bps | |
| Deposit Growth (YoY) | 6.51% | -7.73% | -1.90% | -0.26% | -11.12% | -4.13% | -10.50% | -6.56% | -630 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 | 0.27% | 0.14% | 0.18% | 0.14% | 0.27% | 0.12% | 0.04% | 0.00% | -14 bps | |
| Allowance / Loans | 2.74% | 2.90% | 2.65% | 2.68% | 2.60% | 2.36% | 2.45% | 2.34% | -34 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 | 33.28% | 34.09% | 34.32% | 33.78% | 33.68% | 32.29% | 33.14% | 23.80% | -998 bps | |
| Equity / Assets | 21.77% | 22.48% | 22.81% | 22.94% | 23.41% | 23.11% | 24.66% | 20.93% | -201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.26% | 50.11% | 54.16% | 54.78% | 56.70% | 60.88% | 64.69% | 67.02% | +1,224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |