Tulsa, OK · Cert 25661
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Tulsa, OK · Cert 25661
FDIC
Q1 2002
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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.29% | 1.20% | 0.99% | 1.29% | 1.40% | 1.46% | 1.56% | +57 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 19.99% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.50% | 4.55% | 4.72% | 4.82% | 5.00% | +49 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 71.98% | 70.18% | 69.23% | 68.78% | 65.18% | -680 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.38% | 2.22% | 2.22% | 2.22% | 2.10% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.62% | 6.40% | 2.28% | 6.26% | 3.57% | 0.86% | 0.50% | -1.45% | -772 bps | |
| Loan Growth (YoY) | 18.74% | 18.58% | 12.50% | 13.12% | 11.06% | 7.85% | 6.82% | 4.08% | -904 bps | |
| Deposit Growth (YoY) | 7.31% | 8.43% | 7.09% | 6.89% | 3.64% | 2.50% | 4.54% | 1.91% | -498 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 | n/a | n/a | n/a | 0.19% | 0.23% | 0.27% | 0.24% | 0.48% | +28 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.27% | 1.28% | 1.27% | 1.30% | 1.34% | +7 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 | n/a | n/a | n/a | 10.07% | 10.57% | 10.49% | 10.70% | 10.47% | +40 bps | |
| Equity / Assets | n/a | n/a | n/a | 7.09% | 7.51% | 7.90% | 7.91% | 7.72% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.31% | 85.67% | 88.08% | 87.67% | 88.20% | 90.14% | 90.00% | 89.54% | +187 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.20% | 0.17% | 0.13% | 0.03% | 0.02% | -18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |