Tulsa, OK · Cert 25806
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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 25806
FDIC
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36%1 | 0.43%1 | 0.35% | 0.23% | 0.31% | 0.41% | 1.38% | 1.09% | +86 bps | |
| Return on Equity | 3.37% | 4.01% | 3.23% | 2.00% | 2.67% | 3.59% | 11.01% | 8.68% | +668 bps | |
| Net Interest Margin | 3.78% | 3.78% | 3.56% | 3.55% | 3.44% | 3.34% | 3.15% | 3.22% | -33 bps | |
| Efficiency Ratio | 65.68% | 64.26% | 60.49% | 67.83% | 68.99% | 71.30% | 64.58% | 68.59% | +77 bps | |
| Non-Interest Burden | 2.46% | 2.40% | 2.07% | 2.37% | 2.32% | 2.33% | 1.78% | 2.10% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.09% | -0.50% | -2.19% | -5.17% | -2.78% | -6.52% | -9.75% | -7.09% | -192 bps | |
| Loan Growth (YoY) | 3.66% | 0.89% | -10.25% | -17.40% | -20.31% | -20.98% | -21.96% | -23.61% | -621 bps | |
| Deposit Growth (YoY) | -7.18% | 0.89% | -1.14% | -5.77% | -3.79% | -4.73% | -5.15% | -0.64% | +514 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 | 1.52% | 1.51% | 1.74% | 1.70% | 1.92% | 1.88% | -0.13% | 0.80% | -90 bps | |
| Allowance / Loans | 2.46% | 2.49% | 2.70% | 2.80% | 2.53% | 2.22% | 2.51% | 2.33% | -47 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 | 15.16% | 15.84% | 16.89% | 17.97% | 19.14% | 19.60% | 21.80% | 23.98% | +601 bps | |
| Equity / Assets | 10.97% | 10.70% | 11.26% | 11.95% | 11.87% | 11.92% | 13.12% | 12.65% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.65% | 91.39% | 87.58% | 86.14% | 80.88% | 75.81% | 72.06% | 66.23% | -1,992 bps | |
| Liquid Assets / Assets | 4.28% | 5.24% | 3.11% | 4.02% | 10.34% | 12.02% | 11.07% | 17.35% | +1,332 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |