Oklahoma City, OK · Charter 12366
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | -0.32% | 0.26% | 0.40% | 0.23% | 0.46% | 1.04% | 0.87% | +47 bps | |
| Return on Equity | 0.77% | -3.23% | 2.78% | 4.13% | 2.34% | 4.55% | 10.49% | 8.17% | +404 bps | |
| Net Interest Margin | 2.91% | 3.11% | 3.09% | 3.49% | 3.60% | 3.83% | 4.47% | 4.20% | +70 bps | |
| Efficiency Ratio | 97.53% | 99.01% | 90.35% | 87.77% | 92.64% | 87.26% | 76.60% | 79.21% | -856 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.41% | 1.52% | 5.36% | 4.31% | -2.18% | 2.26% | 1.62% | -2.42% | -672 bps | |
| Loan Growth (YoY) | -5.53% | -9.96% | -9.13% | 0.75% | 9.19% | 20.56% | 15.03% | 0.04% | -71 bps | |
| Share Growth (YoY) | 8.24% | 2.06% | 6.38% | 5.01% | -2.32% | 1.88% | 0.86% | -3.56% | -857 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.79% | 0.69% | 0.48% | 0.64% | 2.12% | 2.55% | 2.69% | +221 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 | 0.68% | 1.03% | 0.97% | 0.89% | 0.88% | 0.74% | 0.62% | 0.50% | -38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.84% | 9.98% | 9.47% | 9.69% | 9.86% | 10.23% | 9.96% | 10.62% | +93 bps | |
| Net Worth / Assets | 9.84% | 9.98% | 9.47% | 9.69% | 9.86% | 10.23% | 9.96% | 10.62% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.38% | 42.70% | 38.91% | 44.46% | 47.37% | 50.53% | 44.38% | 46.12% | +166 bps | |
| Liquid Assets / Assets | 51.69% | 50.86% | 62.72% | 57.66% | 55.28% | 52.28% | 57.88% | 0.00% | -5,766 bps | |