Broken Bow, OK · Cert 22569
FDIC
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.47% | 1.56% | 1.55% | 1.19% | 1.35% | 1.39% | 1.35% | -20 bps | |
| Return on Equity | 7.41% | 8.10% | 8.58% | 8.44% | 6.10% | 7.05% | 7.16% | 6.87% | -156 bps | |
| Net Interest Margin | 3.74% | 3.79% | 3.82% | 3.93% | 3.93% | 3.83% | 3.80% | 3.92% | -1 bps | |
| Efficiency Ratio | 52.53% | 49.47% | 49.20% | 49.64% | 55.88% | 51.16% | 50.36% | 51.57% | +193 bps | |
| Non-Interest Burden | 1.65% | 1.53% | 1.55% | 1.62% | 1.93% | 1.63% | 1.60% | 1.70% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | 0.26% | 1.79% | 1.42% | -1.19% | 1.34% | -0.75% | -1.32% | -274 bps | |
| Loan Growth (YoY) | 4.09% | -0.23% | -2.85% | -6.99% | -9.28% | 2.01% | -3.56% | -6.67% | +33 bps | |
| Deposit Growth (YoY) | -8.79% | -1.39% | -0.82% | 0.17% | 0.42% | -3.30% | -5.49% | -5.92% | -610 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 | 0.07% | 0.02% | 0.05% | 0.03% | -0.06% | 0.07% | 0.05% | 0.09% | +6 bps | |
| Allowance / Loans | 1.72% | 1.83% | 1.81% | 1.87% | 1.98% | 1.82% | 1.92% | 2.00% | +13 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 | 26.86% | 28.05% | 28.75% | 33.03% | 31.83% | 29.70% | 37.58% | 34.91% | +188 bps | |
| Equity / Assets | 17.93% | 18.18% | 18.60% | 19.27% | 19.63% | 18.70% | 20.18% | 20.71% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.30% | 69.88% | 72.09% | 70.57% | 69.84% | 73.72% | 73.57% | 70.02% | -56 bps | |
| Liquid Assets / Assets | 0.69% | 0.69% | 0.53% | 0.46% | 0.46% | 0.18% | 0.19% | 0.10% | -36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |