Henryetta, OK · Cert 19338
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 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.
Henryetta, OK · Cert 19338
FDIC
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | 1.48% | 1.28% | 0.45% | 0.83% | 0.85% | 1.00% | 1.07% | +61 bps | |
| Return on Equity | 12.54% | 11.84% | 11.19% | 3.79% | 6.77% | 6.77% | 7.44% | 8.12% | +433 bps | |
| Net Interest Margin | 4.00% | 3.97% | 4.07% | 4.07% | 4.22% | 4.21% | 3.76% | 3.71% | -36 bps | |
| Efficiency Ratio | 60.33% | 60.50% | 57.85% | 60.07% | 59.11% | 59.21% | 66.26% | 65.16% | +509 bps | |
| Non-Interest Burden | 2.14% | 2.14% | 2.09% | 2.19% | 2.23% | 2.24% | 2.32% | 2.23% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.95% | 15.91% | -0.97% | -2.80% | -2.71% | -25.75% | -3.60% | 2.75% | +555 bps | |
| Loan Growth (YoY) | 15.55% | 24.64% | 19.46% | 16.07% | 10.30% | -7.23% | -11.03% | -13.99% | -3,006 bps | |
| Deposit Growth (YoY) | -8.43% | 14.97% | -6.95% | 4.14% | 1.64% | -26.41% | 9.76% | 3.31% | -83 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 | 0.45% | 0.40% | 0.35% | 0.88% | 1.40% | 1.75% | 0.13% | 0.23% | -65 bps | |
| Allowance / Loans | 1.25% | 1.31% | 1.45% | 2.02% | 1.61% | 1.46% | 1.66% | 1.82% | -20 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 | 20.06% | 17.01% | 18.34% | 19.59% | 20.46% | 21.44% | 21.46% | 21.86% | +227 bps | |
| Equity / Assets | 13.92% | 10.52% | 12.64% | 12.90% | 13.59% | 13.74% | 13.05% | 12.63% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.27% | 58.25% | 81.99% | 75.05% | 80.59% | 73.43% | 66.46% | 62.48% | -1,256 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 |