Oklahoma City, OK · Charter 2361
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.70% | 3.32% | 3.41% | 3.33% | 2.81% | 2.77% | 2.71% | 2.77% | -55 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -44.19% | -41.16% | -34.27% | -23.94% | -15.69% | -9.69% | +3,147 bps | |
| Loan Growth (YoY) | n/a | n/a | 4.91% | -3.21% | -21.22% | -31.47% | -33.41% | -36.30% | -3,309 bps | |
| Share Growth (YoY) | n/a | n/a | -51.09% | -48.40% | -40.44% | -29.52% | -19.72% | -13.35% | +3,504 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.75% | 1.00% | 0.78% | 0.59% | 0.81% | 1.53% | 1.75% | 1.40% | +81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.43% | 0.08% | 0.20% | 0.31% | 0.35% | 0.45% | 0.68% | +48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.20% | 79.75% | 90.30% | 101.20% | 84.92% | 77.54% | 74.90% | 74.41% | -2,680 bps | |
| Liquid Assets / Assets | 44.06% | 33.23% | 22.71% | 17.16% | 29.25% | 37.30% | 44.06% | 40.43% | +2,327 bps | |