Cyril, OK · Cert 18558
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.71% | 1.65% | 1.75% | 1.60% | 1.95% | 1.81% | 0.20% | -156 bps | |
| Return on Equity | 12.00% | 5.01% | 11.68% | 12.41% | 11.36% | 13.92% | 12.76% | 1.41% | -1,100 bps | |
| Net Interest Margin | 3.06% | 3.11% | 3.05% | 3.22% | 3.10% | 3.32% | 3.49% | 3.17% | -4 bps | |
| Efficiency Ratio | 55.25% | 81.36% | 56.76% | 54.82% | 57.33% | 53.15% | 56.69% | 96.15% | +4,133 bps | |
| Non-Interest Burden | 1.34% | 2.40% | 1.38% | 1.45% | 1.52% | 1.37% | 1.64% | 2.98% | +152 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% | -0.17% | -0.68% | -0.05% | 0.00% | 0.00% | 0.00% | 0.00% | +5 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 |