Barnsdall, OK · Cert 2324
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Barnsdall, OK · Cert 2324
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.50% | 0.48% | 0.33% | -0.16% | -53 bps | |
| Return on Equity | 2.66% | 3.61% | 3.44% | 2.34% | -1.20% | -386 bps | |
| Net Interest Margin | 3.52% | 3.55% | 3.57% | 3.59% | 2.48% | -104 bps | |
| Efficiency Ratio | 90.83% | 88.14% | 88.59% | 92.23% | 104.90% | +1,407 bps | |
| Non-Interest Burden | 3.15% | 3.05% | 3.09% | 3.26% | 2.64% | -50 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.52% | 1.77% | 1.22% | 2.50% | 0.02% | -350 bps | |
| Loan Growth (YoY) | -19.22% | -15.49% | -20.93% | -7.39% | -8.33% | +1,089 bps | |
| Deposit Growth (YoY) | 3.79% | 1.95% | 1.47% | 2.67% | -0.03% | -382 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.10% | 0.00% | 0 bps | |
| Allowance / Loans | 1.29% | 1.22% | 1.32% | 1.25% | 1.30% | +1 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 13.76% | 14.24% | 14.36% | 14.01% | 13.84% | +8 bps | |
| Equity / Assets | 13.58% | 14.05% | 14.17% | 13.84% | 13.68% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 19.21% | 20.96% | 19.42% | 18.48% | 17.62% | -159 bps | |
| Liquid Assets / Assets | 58.27% | 59.76% | 60.18% | 58.52% | 27.99% | -3,028 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |