Yukon, OK · Cert 27421
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.27% | 0.93% | 0.53% | -0.55% | 0.36% | 1.35% | 1.37% | 1.72% | +228 bps | |
| Return on Equity | -25.67% | 11.05% | 6.23% | -6.14% | 3.97% | 14.49% | 14.78% | 17.93% | +2,407 bps | |
| Net Interest Margin | 3.95% | 3.69% | 3.52% | 3.49% | 3.79% | 3.66% | 3.79% | 4.30% | +82 bps | |
| Efficiency Ratio | 93.22% | 74.90% | 87.37% | 117.22% | 75.20% | 71.46% | 71.25% | 67.39% | -4,983 bps | |
| Non-Interest Burden | 3.82% | 2.54% | 2.99% | 4.02% | 2.65% | 2.35% | 2.41% | 2.60% | -142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.15% | -1.92% | -2.06% | -2.50% | -5.53% | -7.89% | 3.35% | 2.65% | +514 bps | |
| Loan Growth (YoY) | -16.54% | -14.61% | -19.39% | -12.23% | -9.34% | -8.23% | 2.12% | 2.06% | +1,430 bps | |
| Deposit Growth (YoY) | -4.18% | -1.98% | -2.30% | -2.71% | -6.46% | -9.13% | -3.37% | 1.68% | +440 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 | -0.27% | 0.52% | 0.13% | -0.02% | 1.35% | -0.04% | -0.06% | -1.02% | -100 bps | |
| Allowance / Loans | 2.02% | 2.07% | 2.19% | 2.16% | 2.13% | 2.21% | 2.15% | 2.37% | +21 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 | 11.99% | 12.54% | 13.57% | 13.78% | 14.47% | 14.95% | 15.22% | 15.51% | +173 bps | |
| Equity / Assets | 8.61% | 8.18% | 9.01% | 8.95% | 9.39% | 9.27% | 9.33% | 9.91% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.32% | 66.89% | 67.72% | 69.42% | 73.00% | 67.55% | 71.57% | 69.68% | +26 bps | |
| Liquid Assets / Assets | 4.05% | 2.71% | 4.50% | 6.74% | 5.74% | 5.79% | 5.14% | 4.62% | -212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |