Bartlesville, OK · Charter 24659
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Bartlesville, OK · Charter 24659
Q2 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.18% | 2.85% | 2.47% | 2.68% | 0.52% | 1.31% | -41.66% | -8022% | -802,465 bps | |
| Return on Equity | 19.01% | 23.66% | 20.55% | 19.39% | 3.46% | 6.42% | -80.75% | -8022% | -804,137 bps | |
| Net Interest Margin | 3.27% | 3.08% | 3.04% | 3.39% | 3.79% | 4.57% | 5.07% | 987% | +98,332 bps | |
| Efficiency Ratio | 45.83% | 34.89% | 37.10% | 38.15% | 73.62% | 55.71% | 220% | 219% | +18,075 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.05% | 16.46% | 11.42% | 0.32% | -8.12% | -31.99% | -78.86% | -99.94% | -10,026 bps | |
| Loan Growth (YoY) | 14.82% | 10.57% | 14.28% | 7.99% | 4.40% | -14.38% | -82.49% | -100.00% | -10,799 bps | |
| Share Growth (YoY) | 12.60% | 16.39% | 1.96% | 4.66% | -11.60% | -38.37% | -87.93% | -100.00% | -10,466 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.07% | 0.77% | 0.89% | 1.43% | 4.63% | 6.36% | n/a | n/a | |
| 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 | 0.83% | 0.90% | 0.83% | 0.93% | 0.98% | 0.87% | 11.48% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 11.46% | 12.06% | 12.02% | 13.80% | 14.87% | 20.38% | 51.59% | 100.00% | +8,620 bps | |
| Net Worth / Assets | 11.46% | 12.06% | 12.02% | 13.80% | 14.87% | 20.38% | 51.59% | 100.00% | +8,620 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.71% | 69.25% | 83.48% | 81.75% | 84.69% | 96.22% | 121.07% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |