Oklahoma City, OK · Cert 23530
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.38% | 0.59% | 0.67% | 0.71% | 0.71% | 0.52% | 0.68% | +1 bps | |
| Return on Equity | 8.48% | 3.11% | 4.84% | 5.44% | 5.86% | 6.07% | 4.31% | 5.48% | +4 bps | |
| Net Interest Margin | 4.62% | 4.36% | 4.18% | 4.37% | 4.21% | 3.85% | 3.35% | 3.64% | -73 bps | |
| Efficiency Ratio | 67.70% | 83.94% | 74.25% | 74.67% | 74.83% | 75.84% | 79.61% | 76.38% | +171 bps | |
| Non-Interest Burden | 2.68% | 3.49% | 2.71% | 2.98% | 2.88% | 2.54% | 2.39% | 2.42% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.49% | -3.53% | -1.40% | 0.67% | 8.91% | 12.94% | 2.41% | 3.97% | +330 bps | |
| Loan Growth (YoY) | -11.07% | -4.52% | -7.55% | 17.02% | 17.24% | 17.21% | 6.75% | -18.50% | -3,552 bps | |
| Deposit Growth (YoY) | -10.83% | -4.64% | -2.45% | -3.40% | 9.86% | 14.52% | 2.44% | 7.24% | +1,064 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 | -0.12% | 1.82% | -0.08% | 0.00% | 0.28% | -0.15% | -0.45% | 0.36% | +36 bps | |
| Allowance / Loans | 2.25% | 1.96% | 2.28% | 1.86% | 1.94% | 2.09% | 2.54% | 2.50% | +63 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 | 14.85% | 15.12% | 16.00% | 13.70% | 14.45% | 14.69% | 16.58% | 17.75% | +405 bps | |
| Equity / Assets | 12.27% | 12.25% | 12.35% | 12.23% | 11.93% | 11.50% | 12.61% | 12.30% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.08% | 71.27% | 67.66% | 87.56% | 79.06% | 72.95% | 70.51% | 66.54% | -2,102 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 1.37% | 1.49% | 0.02% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |