Sulphur, OK · Cert 21564
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.04% | 1.41% | 1.45% | 1.56% | 1.88% | 1.56% | 1.52% | 1.27% | -28 bps | |
| Return on Equity | 24.52% | 17.20% | 17.59% | 18.04% | 21.17% | 17.81% | 17.61% | 14.15% | -389 bps | |
| Net Interest Margin | 4.43% | 4.19% | 4.22% | 4.33% | 4.43% | 4.25% | 4.04% | 4.03% | -30 bps | |
| Efficiency Ratio | 58.98% | 72.89% | 70.49% | 76.14% | 63.33% | 69.44% | 73.45% | 75.21% | -93 bps | |
| Non-Interest Burden | 2.02% | 2.71% | 2.58% | 3.01% | 2.37% | 2.59% | 2.67% | 2.76% | -25 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 | 0.65% | -0.11% | 0.17% | 0.01% | 0.05% | 0.76% | 0.18% | 0.08% | +7 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 |