Fairfax, OK · Cert 2335
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 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.
Fairfax, OK · Cert 2335
FDIC
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21%1 | 0.02%1 | -0.07% | -0.54% | -0.43% | -0.02% | 0.57%1 | -0.43% | +11 bps | |
| Return on Equity | 1.48% | 0.12% | -0.48% | -4.08% | -3.24% | -0.17% | 4.21% | -2.88% | +120 bps | |
| Net Interest Margin | 3.27% | 3.21% | 3.11% | 2.91% | 3.02% | 2.97% | 2.92% | 2.78% | -13 bps | |
| Efficiency Ratio | 105.36% | 106.69% | 109.47% | 116.33% | 117.04% | 103.19% | 108.09% | 112.80% | -353 bps | |
| Non-Interest Burden | 3.48% | 3.48% | 3.48% | 3.46% | 3.63% | 3.09% | 3.23% | 3.22% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.76% | 4.40% | 13.31% | 5.46% | 2.82% | 2.44% | -9.83% | -6.15% | -1,161 bps | |
| Loan Growth (YoY) | -1.10% | -8.87% | -10.73% | -14.65% | -11.81% | -7.94% | 1.23% | -2.83% | +1,182 bps | |
| Deposit Growth (YoY) | 5.04% | 6.12% | 16.15% | 6.70% | 3.99% | 3.19% | -11.89% | -7.86% | -1,456 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 | 0.56% | 0.38% | 0.38% | 0.21% | 0.20% | 0.12% | 0.19% | 0.12% | -9 bps | |
| Allowance / Loans | 1.31% | 1.47% | 1.40% | 1.35% | 1.32% | 1.41% | 1.36% | 1.39% | +5 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 | 25.98% | 27.85% | 26.71% | 28.60% | 29.23% | 29.29% | 30.01% | 30.46% | +186 bps | |
| Equity / Assets | 14.28% | 14.11% | 12.98% | 13.38% | 13.42% | 13.60% | 14.98% | 14.93% | +155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.64% | 50.73% | 46.22% | 48.32% | 48.03% | 45.26% | 53.11% | 50.96% | +264 bps | |
| Liquid Assets / Assets | 1.37% | 2.54% | 2.42% | 2.47% | 3.09% | 3.27% | 3.26% | 3.37% | +90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |