Norman, OK · Cert 26867
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 | 0.46% | 0.28% | -0.47% | -0.61% | -0.27% | -0.19% | -0.20% | 0.23% | +84 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.19% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.93% | 3.82% | 3.78% | 3.65% | 3.74% | -19 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 98.59% | 95.65% | 95.65% | 96.70% | 92.09% | -650 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.84% | 3.54% | 3.48% | 3.43% | 3.20% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.65% | 2.66% | 81.56% | 83.35% | 85.46% | 87.17% | 10.47% | 5.44% | -7,791 bps | |
| Loan Growth (YoY) | 12.00% | 10.94% | 112.24% | 106.77% | 110.34% | 93.28% | -1.48% | -5.06% | -11,183 bps | |
| Deposit Growth (YoY) | 2.67% | 3.74% | 87.26% | 87.52% | 92.16% | 95.97% | 13.56% | 9.35% | -7,817 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 | 0.92% | 0.88% | 0.77% | 0.72% | 0.56% | -36 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.65% | 1.52% | 1.62% | 1.62% | 1.56% | -9 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 | 10.64% | 10.74% | 11.25% | 10.93% | 10.95% | +31 bps | |
| Equity / Assets | n/a | n/a | n/a | 10.81% | 10.78% | 10.87% | 10.36% | 10.24% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.13% | 76.05% | 82.39% | 81.91% | 81.14% | 75.01% | 71.48% | 71.12% | -1,079 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 0.02% | 0.02% | 0.03% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |