Sulphur, OK · Cert 21564
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Sulphur, OK · Cert 21564
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.41% | 1.44% | 1.48% | 1.59% | 1.56% | 1.55% | 1.46% | -2 bps | |
| Return on Equity | 20.71% | 17.20% | 17.38% | 17.60% | 18.64% | 17.81% | 17.75% | 16.44% | -116 bps | |
| Net Interest Margin | 4.43% | 4.19% | 4.09% | 4.18% | 4.25% | 4.25% | 4.10% | 4.09% | -10 bps | |
| Efficiency Ratio | 66.49% | 72.89% | 71.65% | 73.18% | 70.65% | 69.44% | 71.42% | 72.66% | -52 bps | |
| Non-Interest Burden | 2.42% | 2.71% | 2.57% | 2.73% | 2.64% | 2.59% | 2.61% | 2.66% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.79% | 7.06% | 9.39% | 6.30% | 9.61% | 9.09% | 5.03% | 4.43% | -187 bps | |
| Loan Growth (YoY) | -1.85% | -7.46% | -5.09% | 5.68% | 6.10% | 9.66% | 3.78% | -2.76% | -843 bps | |
| Deposit Growth (YoY) | 4.78% | 7.44% | 9.49% | 5.74% | 8.93% | 8.52% | 4.58% | 3.90% | -185 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 | 0.84% | -0.11% | 0.03% | 0.02% | 0.03% | 0.76% | 0.48% | 0.35% | +33 bps | |
| Allowance / Loans | 1.61% | 1.72% | 1.73% | 1.80% | 1.93% | 1.79% | 1.81% | 1.82% | +2 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 | 15.37% | 15.63% | 15.43% | 15.10% | 15.19% | 14.74% | 14.77% | 15.26% | +16 bps | |
| Equity / Assets | 8.28% | 8.12% | 8.39% | 8.85% | 8.87% | 8.61% | 8.70% | 9.27% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.74% | 53.03% | 53.14% | 56.10% | 57.21% | 53.59% | 52.74% | 52.51% | -359 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 |