Cyril, OK · Cert 18558
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Cyril, OK · Cert 18558
FDIC
Q4 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 1.21% | 1.36% | 1.46% | 1.60% | 1.78% | 1.79% | 1.39% | -7 bps | |
| Return on Equity | 12.00% | 8.50% | 9.56% | 10.27% | 11.36% | 12.68% | 12.69% | 9.92% | -36 bps | |
| Net Interest Margin | 3.06% | 3.08% | 3.06% | 3.06% | 3.10% | 3.21% | 3.34% | 3.22% | +17 bps | |
| Efficiency Ratio | 55.25% | 68.34% | 64.45% | 61.98% | 57.33% | 55.11% | 55.66% | 67.75% | +577 bps | |
| Non-Interest Burden | 1.34% | 1.86% | 1.70% | 1.61% | 1.52% | 1.44% | 1.52% | 1.85% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.49% | 0.75% | 0.03% | 3.95% | 4.54% | 6.18% | 3.57% | 4.53% | +57 bps | |
| Loan Growth (YoY) | 4.55% | -3.51% | 9.05% | 9.43% | 0.16% | 31.76% | 4.57% | -13.67% | -2,310 bps | |
| Deposit Growth (YoY) | 1.17% | 0.29% | -0.15% | 4.78% | 4.68% | 7.06% | 3.47% | 11.77% | +699 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 | -0.30% | -0.25% | -0.37% | -0.29% | 0.00% | 0.00% | 0.00% | 0.00% | +29 bps | |
| Allowance / Loans | 1.50% | 1.75% | 1.67% | 1.67% | 1.72% | 1.49% | 1.61% | 1.93% | +26 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 | 34.24% | 38.44% | 36.59% | 26.64% | 28.32% | 25.61% | 27.11% | 28.07% | +144 bps | |
| Equity / Assets | 14.04% | 14.22% | 14.08% | 14.19% | 14.05% | 13.96% | 14.34% | 13.56% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.85% | 38.27% | 43.70% | 44.02% | 41.00% | 47.11% | 44.16% | 34.00% | -1,002 bps | |
| Liquid Assets / Assets | 35.05% | 38.91% | 37.52% | 42.70% | 41.56% | 39.77% | 35.67% | 31.83% | -1,087 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |