PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Memorial Bank

Oklahoma City, OK · Cert 24538

FDIC

Q3 1999

$131.3MAssets
$66.2MLoans
$113.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.93%, down 215 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 58.15% of deposits as of Q3 1999.

Return on Assets (YTD, annualized)

-0.93%-215 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets0.07%0.63%1.22%1.21%-3.52%1.19%-1.43%-0.93%-215 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)239%-5.80%-6.53%-0.77%-6.97%-3.17%-6.37%-20.61%-1,983 bps
Loan Growth (YoY)185.24%10.12%8.13%8.07%-3.07%-10.48%-17.31%-36.46%-4,454 bps
Deposit Growth (YoY)204%-4.19%-4.19%1.42%2.54%0.14%-2.40%-23.50%-2,492 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits66.45%65.51%67.35%70.01%62.81%58.56%57.06%58.15%-1,187 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a