Oklahoma City, OK · Cert 26184
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.35%1 | -1.00% | -2.13% | 0.33%1 | 0.57% | -2.14% | 2.03% | +416 bps | |
| Return on Equity | 2.58% | 3.59% | -10.14% | -22.89% | 3.68% | 6.57% | -25.02% | 16.48% | +3,938 bps | |
| Net Interest Margin | 4.20% | 4.11% | 4.21% | 3.78% | 3.72% | 3.46% | 3.57% | -7.97% | -1,175 bps | |
| Efficiency Ratio | 85.13% | 88.49% | 99.84% | 107.87% | 88.00% | 85.55% | 152.59% | 70.77% | -3,710 bps | |
| Non-Interest Burden | 3.44% | 3.51% | 4.20% | 4.12% | 3.16% | 2.78% | 6.06% | -10.72% | -1,484 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.06% | 6.18% | 10.96% | 5.46% | 1.17% | 14.19% | -3.41% | 2.08% | -338 bps | |
| Loan Growth (YoY) | -5.54% | -4.36% | -13.22% | -6.70% | -2.83% | -7.95% | 2.29% | -4.00% | +270 bps | |
| Deposit Growth (YoY) | 12.93% | 1.75% | 8.14% | 2.16% | -2.60% | 14.71% | -0.91% | 3.42% | +126 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 | 0.44% | 0.31% | 0.65% | 9.23% | 0.78% | 0.99% | 1.48% | -3.14% | -1,237 bps | |
| Allowance / Loans | 1.13% | 1.20% | 1.96% | 1.05% | 1.00% | 0.97% | 1.05% | 1.86% | +81 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 | 17.02% | 17.02% | 16.29% | 14.60% | 14.41% | 14.62% | 14.36% | 14.81% | +21 bps | |
| Equity / Assets | 9.45% | 10.25% | 9.55% | 9.08% | 8.91% | 8.51% | 8.64% | 15.82% | +674 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.54% | 77.11% | 66.28% | 69.44% | 69.38% | 61.88% | 68.42% | 64.45% | -498 bps | |
| Liquid Assets / Assets | 6.66% | 0.00% | 0.46% | 1.30% | 2.01% | 1.20% | 0.00% | 0.00% | -130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |