Tulsa, OK · Cert 16390
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Tulsa, OK · Cert 16390
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.58% | 0.68% | 0.64% | 0.63% | 0.37% | 0.38% | -5.68% | -632 bps | |
| Return on Equity | 5.46% | 6.31% | 7.52% | 7.31% | 7.27% | 4.23% | 4.42% | -78.57% | -8,588 bps | |
| Net Interest Margin | 3.48% | 3.58% | 3.61% | 3.70% | 3.57% | 3.49% | 3.49% | 3.00% | -70 bps | |
| Efficiency Ratio | 71.08% | 67.30% | 65.75% | 75.18% | 75.29% | 85.45% | 83.37% | 361% | +28,591 bps | |
| Non-Interest Burden | 2.27% | 2.18% | 2.15% | 2.63% | 2.55% | 2.91% | 2.83% | 10.51% | +788 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.17% | 12.41% | 14.70% | 11.29% | 13.80% | 11.62% | 11.07% | 1.39% | -990 bps | |
| Loan Growth (YoY) | 31.17% | 33.52% | 26.26% | 21.84% | 9.49% | 4.83% | -6.52% | -7.88% | -2,972 bps | |
| Deposit Growth (YoY) | 22.42% | 16.99% | 14.99% | 11.44% | 14.57% | 12.55% | 12.38% | 5.35% | -609 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 | 0.21% | 0.35% | 0.27% | 0.15% | 0.18% | 0.12% | 0.08% | -0.06% | -21 bps | |
| Allowance / Loans | 1.27% | 1.30% | 1.33% | 1.31% | 1.25% | 1.26% | 1.37% | 1.97% | +67 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 | 11.40% | 11.35% | 11.23% | 11.25% | 11.29% | 11.38% | 12.06% | 8.88% | -238 bps | |
| Equity / Assets | 9.13% | 9.04% | 8.79% | 8.70% | 8.69% | 8.53% | 8.37% | 6.02% | -268 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.00% | 90.28% | 90.76% | 87.70% | 86.01% | 84.10% | 75.50% | 76.69% | -1,102 bps | |
| Liquid Assets / Assets | 8.87% | 9.64% | 8.96% | 10.68% | 11.89% | 14.01% | 22.36% | 18.74% | +806 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |