Quapaw, OK · Cert 11865
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.77% | -0.06% | -0.63% | -0.59% | 0.35% | 0.06% | -4.20% | -357 bps | |
| Return on Equity | 6.96% | -3.48% | -0.25% | -2.76% | -2.53% | 1.52% | 0.25% | -18.42% | -1,566 bps | |
| Net Interest Margin | 3.74% | 3.19% | 3.53% | 3.13% | 3.40% | 3.85% | 4.23% | 4.22% | +109 bps | |
| Efficiency Ratio | 98.61% | 119.70% | 104.29% | 117.74% | 114.71% | 91.46% | 96.30% | 193.06% | +7,531 bps | |
| Non-Interest Burden | 3.69% | 3.89% | 3.70% | 3.74% | 3.99% | 3.44% | 4.05% | 8.37% | +462 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% | 0.00% | 0.27% | 0.00% | 0.27% | 0.00% | -0.13% | -0.12% | -12 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 |