Oklahoma City, OK · Cert 24093
FDIC
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.07% | 1.90% | 1.84% | 1.85% | 1.88% | 1.58% | 1.31% | 1.17% | -67 bps | |
| Return on Equity | 23.76% | 21.83% | 20.48% | 20.57% | 21.15% | 17.97% | 15.14% | 13.54% | -704 bps | |
| Net Interest Margin | 4.15% | 4.24% | 4.22% | 4.34% | 4.33% | 4.04% | 4.06% | 4.02% | -32 bps | |
| Efficiency Ratio | 57.45% | 60.32% | 60.30% | 60.31% | 60.29% | 65.33% | 67.99% | 70.60% | +1,029 bps | |
| Non-Interest Burden | 2.22% | 2.41% | 2.34% | 2.42% | 2.42% | 2.49% | 2.63% | 2.72% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.63% | 14.33% | 5.83% | 1.02% | 9.64% | 8.79% | 15.60% | 10.07% | +905 bps | |
| Loan Growth (YoY) | -6.13% | -3.63% | -5.49% | -2.64% | 7.17% | 15.96% | 21.29% | 30.98% | +3,362 bps | |
| Deposit Growth (YoY) | 19.65% | 13.53% | 10.99% | 3.03% | 13.62% | 13.15% | 15.42% | 2.79% | -24 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 | 0.02% | 0.01% | 0.04% | 0.03% | 0.02% | 0.08% | 0.11% | 0.05% | +2 bps | |
| Allowance / Loans | 1.14% | 1.10% | 1.12% | 1.16% | 1.10% | 0.95% | 0.94% | 0.91% | -25 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 | 11.75% | 11.88% | 12.17% | 12.03% | 11.77% | 10.91% | 10.94% | 10.48% | -155 bps | |
| Equity / Assets | 8.73% | 8.61% | 9.35% | 8.98% | 8.69% | 8.40% | 8.86% | 8.71% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.69% | 83.91% | 85.99% | 80.83% | 79.88% | 85.99% | 90.36% | 102.99% | +2,217 bps | |
| Liquid Assets / Assets | 0.11% | 0.10% | 0.05% | 0.05% | 0.00% | 0.33% | 0.24% | 0.48% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |