Oklahoma City, OK · Cert 18957
FDIC
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.18% | 1.23% | 1.16% | 1.17% | 1.17% | 1.24% | -0.82% | -198 bps | |
| Return on Equity | 12.57% | 12.46% | 12.84% | 11.83% | 11.83% | 12.05% | 12.80% | -8.49% | -2,031 bps | |
| Net Interest Margin | 3.71% | 3.71% | 3.64% | 3.55% | 3.59% | 3.51% | 3.43% | 3.21% | -34 bps | |
| Efficiency Ratio | 56.31% | 57.16% | 56.43% | 56.20% | 55.56% | 56.05% | 55.69% | 133.49% | +7,729 bps | |
| Non-Interest Burden | 1.61% | 1.66% | 1.61% | 1.56% | 1.56% | 1.54% | 1.49% | 4.53% | +296 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.53% | 4.56% | 3.11% | 4.93% | 3.68% | 3.40% | 4.29% | -3.59% | -853 bps | |
| Loan Growth (YoY) | -4.22% | -6.30% | -1.79% | -2.25% | -3.78% | -2.24% | -6.79% | -6.37% | -412 bps | |
| Deposit Growth (YoY) | 4.56% | 4.45% | 2.89% | 4.65% | 3.31% | 3.94% | 4.84% | -2.03% | -669 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 | 0.22% | 0.24% | 0.21% | 0.55% | 0.46% | 0.34% | 0.29% | 0.08% | -46 bps | |
| Allowance / Loans | 1.46% | 1.46% | 1.41% | 1.32% | 1.34% | 1.32% | 1.31% | 1.33% | +1 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 | 12.65% | 12.90% | 13.00% | 13.27% | 13.77% | 12.77% | 13.41% | 13.24% | -4 bps | |
| Equity / Assets | 9.57% | 9.52% | 9.87% | 9.79% | 9.98% | 9.14% | 9.55% | 9.71% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.69% | 78.76% | 82.21% | 79.34% | 77.01% | 74.08% | 73.08% | 75.82% | -351 bps | |
| Liquid Assets / Assets | 19.54% | 23.33% | 20.28% | 23.93% | 25.63% | 26.55% | 28.12% | 24.73% | +80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |