Oklahoma City, OK · Cert 19181
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Oklahoma City, OK · Cert 19181
FDIC
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.52% | 0.55% | 0.53% | 0.39% | 0.45% | 0.49% | 0.54% | +1 bps | |
| Return on Equity | 10.24% | 6.56% | 6.92% | 6.65% | 4.90% | 5.40% | 5.86% | 6.48% | -16 bps | |
| Net Interest Margin | 3.62% | 3.51% | 3.60% | 3.60% | 3.70% | 4.01% | 4.02% | 4.12% | +51 bps | |
| Efficiency Ratio | 77.05% | 84.13% | 83.06% | 83.85% | 89.05% | 87.86% | 86.70% | 87.26% | +341 bps | |
| Non-Interest Burden | 2.56% | 2.80% | 2.83% | 2.87% | 3.20% | 3.42% | 3.37% | 3.48% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.03% | 5.18% | -0.77% | -2.45% | -2.70% | -1.62% | -0.40% | 0.28% | +273 bps | |
| Loan Growth (YoY) | 26.61% | 5.99% | 1.10% | 1.45% | -5.60% | -7.05% | -4.56% | -1.09% | -254 bps | |
| Deposit Growth (YoY) | 4.78% | 3.46% | -1.82% | -3.70% | -3.28% | -6.77% | -4.98% | -1.42% | +228 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 | -0.24% | -0.03% | -0.02% | -0.02% | -0.01% | 0.11% | 0.52% | 0.36% | +38 bps | |
| Allowance / Loans | 1.31% | 1.32% | 1.33% | 1.37% | 1.39% | 1.39% | 1.14% | 0.95% | -42 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 | 10.60% | 10.95% | 11.12% | 11.34% | 11.45% | 11.66% | 11.45% | 11.35% | +1 bps | |
| Equity / Assets | 7.77% | 8.02% | 8.04% | 8.28% | 8.24% | 8.30% | 8.38% | 8.48% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.82% | 85.66% | 84.89% | 84.32% | 82.79% | 85.41% | 85.27% | 84.60% | +28 bps | |
| Liquid Assets / Assets | 8.34% | 8.66% | 8.80% | 9.92% | 10.85% | 11.54% | 11.44% | 11.19% | +127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |