Owasso, OK · Cert 22353
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Owasso, OK · Cert 22353
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | -0.43% | -1.47% | -2.00% | -3.22% | -2.07% | -1.33% | -1.46% | +54 bps | |
| Return on Equity | 4.25% | -4.55% | -16.04% | -22.62% | -45.67% | -27.69% | -17.09% | -18.23% | +439 bps | |
| Net Interest Margin | 3.02% | 2.95% | 3.00% | 3.05% | 2.78% | 3.09% | 3.22% | 3.29% | +24 bps | |
| Efficiency Ratio | 77.25% | 100.05% | 103.13% | 100.54% | 114.37% | 94.60% | 93.99% | 102.88% | +234 bps | |
| Non-Interest Burden | 2.16% | 2.95% | 3.12% | 3.07% | 3.28% | 2.88% | 2.98% | 3.57% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.87% | 10.91% | 7.18% | 4.96% | -2.75% | -12.09% | -14.65% | -17.78% | -2,274 bps | |
| Loan Growth (YoY) | 9.74% | 6.46% | 4.27% | -2.65% | -10.96% | -16.27% | -21.54% | -25.05% | -2,240 bps | |
| Deposit Growth (YoY) | 16.37% | 12.43% | 9.57% | 8.09% | 0.16% | -11.60% | -15.25% | -19.03% | -2,712 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 | 0.00% | 0.25% | 1.86% | 2.60% | 3.66% | 3.66% | 2.65% | 2.11% | -49 bps | |
| Allowance / Loans | 1.91% | 1.93% | 1.76% | 2.14% | 2.61% | 2.65% | 2.71% | 2.96% | +81 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 | 12.97% | 12.66% | 11.55% | 10.87% | 10.70% | 12.91% | 12.96% | 12.08% | +121 bps | |
| Equity / Assets | 9.31% | 8.95% | 8.36% | 7.49% | 6.62% | 8.39% | 8.93% | 8.82% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.71% | 74.29% | 77.24% | 74.49% | 66.41% | 70.36% | 71.51% | 68.95% | -553 bps | |
| Liquid Assets / Assets | 1.13% | 0.68% | 0.70% | 0.59% | 0.61% | 0.29% | 0.17% | 1.65% | +107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |