Blanchard, OK · Cert 26212
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 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.
Blanchard, OK · Cert 26212
FDIC
Q4 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.78% | 0.93% | 1.01% | 1.12% | 1.19% | 1.50% | 1.56% | +56 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 11.92% | 12.83% | 16.01% | 16.30% | n/a | |
| Net Interest Margin | 4.91% | 4.83% | 4.61% | 4.63% | 4.53% | 4.45% | 4.34% | 4.46% | -17 bps | |
| Efficiency Ratio | 88.23% | 84.94% | 82.81% | 81.92% | 80.98% | 78.88% | 74.91% | 73.62% | -829 bps | |
| Non-Interest Burden | 4.17% | 3.88% | 3.58% | 3.53% | 3.41% | 3.22% | 2.86% | 2.88% | -65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.95% | 1.46% | 4.57% | 3.36% | 0.54% | 4.77% | 1.56% | 1.87% | -149 bps | |
| Loan Growth (YoY) | 3.86% | -3.58% | -2.38% | -1.78% | 1.08% | 5.39% | 9.86% | 4.89% | +667 bps | |
| Deposit Growth (YoY) | 6.23% | 0.17% | 4.63% | 4.35% | 0.01% | 4.58% | -2.58% | -0.79% | -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 | -0.20% | -0.12% | -0.09% | 0.07% | 0.08% | 0.06% | 0.03% | 0.03% | -4 bps | |
| Allowance / Loans | 1.01% | 1.12% | 1.13% | 0.99% | 1.01% | 1.02% | 0.96% | 1.00% | +1 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 | 17.32% | 15.65% | 15.25% | 15.49% | 15.99% | 16.16% | 15.78% | 16.70% | +121 bps | |
| Equity / Assets | 8.67% | 8.67% | 8.93% | 9.43% | 9.30% | 9.09% | 9.70% | 10.45% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.65% | 60.72% | 60.86% | 66.33% | 64.33% | 61.20% | 68.64% | 70.13% | +380 bps | |
| Liquid Assets / Assets | 3.55% | 6.28% | 8.20% | 9.96% | 10.06% | 8.90% | 8.86% | 8.35% | -161 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |