Tulsa, OK · Cert 17076
FDIC
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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 17076
FDIC
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.34% | -0.35% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Return on Equity | 2.99% | 1.82% | -1.85% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Interest Margin | 4.31% | 3.87% | 3.86% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Efficiency Ratio | 64.15% | 76.79% | 77.05% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 2.63% | 2.96% | 2.97% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.32% | -8.75% | -12.40% | -99.39% | -99.37% | -99.35% | -99.33% | 0.00% | +9,939 bps | |
| Loan Growth (YoY) | -26.13% | -32.24% | -31.66% | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Deposit Growth (YoY) | -9.18% | -11.30% | -15.13% | -99.62% | -99.60% | -99.59% | -99.57% | 0.00% | +9,962 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 1.95% | -0.01% | 3.62% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 1.91% | 2.33% | 1.92% | n/a | n/a | n/a | n/a | n/a | n/a | |
| 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 | 13.45% | 15.68% | 13.73% | 250% | 250% | 250% | 250% | 250% | 0 bps | |
| Equity / Assets | 18.59% | 19.20% | 19.46% | 50.00% | 50.00% | 50.00% | 50.00% | 50.00% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.03% | 67.59% | 66.37% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.70% | 0.72% | 0.74% | 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 |