Barnsdall, OK · Cert 2324
FDIC
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.02% | 0.41% | 0.37% | 0.63% | 0.44% | -0.13% | -0.16% | -53 bps | |
| Return on Equity | 7.47% | 7.14% | 2.88% | 2.66% | 4.56% | 3.10% | -0.95% | -1.20% | -386 bps | |
| Net Interest Margin | 3.90% | 3.89% | 3.54% | 3.52% | 3.61% | 3.55% | 3.55% | 2.48% | -104 bps | |
| Efficiency Ratio | 75.37% | 75.19% | 88.52% | 90.83% | 85.71% | 89.52% | 103.20% | 104.90% | +1,407 bps | |
| Non-Interest Burden | 2.78% | 2.78% | 3.07% | 3.15% | 2.98% | 3.11% | 3.69% | 2.64% | -50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.01% | 5.54% | 4.31% | 3.52% | 1.77% | 1.22% | 2.50% | 0.02% | -350 bps | |
| Loan Growth (YoY) | 12.15% | 14.86% | -11.34% | -19.22% | -15.49% | -20.93% | -7.39% | -8.33% | +1,089 bps | |
| Deposit Growth (YoY) | 0.77% | 6.14% | 4.66% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.42% | 0.00% | 0 bps | |
| Allowance / Loans | 1.07% | 1.04% | 1.26% | 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 | 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 | 14.50% | 14.58% | 14.14% | 13.76% | 14.24% | 14.36% | 14.01% | 13.84% | +8 bps | |
| Equity / Assets | 14.29% | 14.39% | 13.95% | 13.58% | 14.05% | 14.17% | 13.84% | 13.68% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 25.28% | 24.92% | 20.49% | 19.21% | 20.96% | 19.42% | 18.48% | 17.62% | -159 bps | |
| Liquid Assets / Assets | 60.50% | 60.60% | 60.25% | 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 | n/a | n/a | n/a |