Velma, OK · Cert 20125
FDIC
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 1.13% | 1.21% | 1.34% | 1.41% | 1.51% | 1.75% | 1.45% | +10 bps | |
| Return on Equity | 4.66% | 7.33% | 7.85% | 8.62% | 8.96% | 9.58% | 11.17% | 9.33% | +71 bps | |
| Net Interest Margin | 5.29% | 5.43% | 5.70% | 5.69% | 5.75% | 5.85% | 5.76% | 5.52% | -18 bps | |
| Efficiency Ratio | 82.17% | 78.13% | 77.54% | 76.92% | 76.49% | 74.97% | 71.86% | 75.59% | -134 bps | |
| Non-Interest Burden | 4.18% | 4.04% | 4.21% | 4.16% | 4.18% | 4.16% | 3.87% | 3.99% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.42% | -2.79% | 6.09% | -1.18% | -5.22% | 2.86% | 1.20% | 5.65% | +684 bps | |
| Loan Growth (YoY) | 0.45% | -2.16% | 3.23% | 1.58% | 1.05% | 2.97% | 1.91% | 13.06% | +1,147 bps | |
| Deposit Growth (YoY) | 2.99% | -0.45% | 7.69% | -2.49% | -6.94% | 2.48% | -0.43% | 6.09% | +858 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 | 0.01% | 0.01% | 0.53% | -0.03% | 0.01% | 0.01% | -0.01% | -0.08% | -5 bps | |
| Allowance / Loans | 1.33% | 1.34% | 0.87% | 0.97% | 0.97% | 1.00% | 1.08% | 1.06% | +9 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 | 23.82% | 27.87% | 23.33% | 22.37% | 22.40% | 21.95% | 21.22% | 20.45% | -192 bps | |
| Equity / Assets | 14.55% | 15.64% | 15.39% | 15.78% | 15.99% | 15.84% | 15.47% | 15.55% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.84% | 88.35% | 87.54% | 85.84% | 91.04% | 88.76% | 89.60% | 91.47% | +564 bps | |
| Liquid Assets / Assets | 2.11% | 1.63% | 0.54% | 0.02% | 0.02% | 1.61% | 0.56% | 0.02% | 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 |