Moore, OK · Cert 18872
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Moore, OK · Cert 18872
FDIC
Q1 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.34% | 1.44% | 1.34% | 1.51% | 2.01% | 0.06% | 0.23% | -111 bps | |
| Return on Equity | 13.61% | 16.05% | 17.07% | 15.44% | 17.35% | 22.60% | 0.60% | 1.79% | -1,365 bps | |
| Net Interest Margin | 3.61% | 3.71% | 3.59% | 3.61% | 3.56% | 3.34% | 0.12% | 1.66% | -196 bps | |
| Efficiency Ratio | 57.60% | 58.57% | 58.24% | 66.91% | 62.12% | 59.34% | 54.30% | 77.27% | +1,036 bps | |
| Non-Interest Burden | 1.69% | 1.79% | 1.73% | 2.17% | 1.92% | 1.75% | 0.05% | 1.25% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.36% | 10.72% | 18.67% | 10.27% | 13.21% | 16.97% | 12.86% | 9.49% | -78 bps | |
| Loan Growth (YoY) | 7.56% | -0.77% | 0.96% | 6.68% | -3.43% | -17.24% | -25.42% | -31.45% | -3,813 bps | |
| Deposit Growth (YoY) | 15.55% | 8.86% | 23.60% | 13.23% | 15.38% | 23.44% | 13.98% | 8.34% | -489 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 | 2.24% | 1.49% | 1.08% | 0.07% | 0.08% | -0.17% | 0.00% | 0.05% | -2 bps | |
| Allowance / Loans | 0.84% | 0.89% | 0.98% | 1.00% | 1.17% | 1.39% | 0.01% | 0.15% | -85 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 | 12.82% | 13.20% | 13.14% | 12.32% | 13.00% | 15.58% | 18.05% | 19.04% | +672 bps | |
| Equity / Assets | 7.71% | 9.16% | 8.80% | 8.55% | 8.72% | 9.49% | 12.55% | 13.13% | +457 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.79% | 65.15% | 59.70% | 59.66% | 52.55% | 43.68% | 39.06% | 37.75% | -2,191 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 |