Oklahoma City, OK · Cert 28542
FDIC
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Oklahoma City, OK · Cert 28542
FDIC
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.21% | 1.21% | 1.17% | 1.18% | 1.16% | 1.16% | 1.27% | +9 bps | |
| Return on Equity | 14.73% | 14.70% | 14.49% | 13.37% | 13.46% | 13.41% | 13.33% | 14.10% | +73 bps | |
| Net Interest Margin | 3.60% | 3.64% | 3.59% | 3.52% | 3.44% | 3.27% | 3.25% | 3.13% | -39 bps | |
| Efficiency Ratio | 54.24% | 54.00% | 53.86% | 54.38% | 53.79% | 55.06% | 57.00% | 48.99% | -538 bps | |
| Non-Interest Burden | 1.60% | 1.59% | 1.56% | 1.47% | 1.36% | 1.33% | 1.41% | 0.94% | -53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.39% | 1.86% | 0.76% | 2.22% | 2.29% | 5.32% | 1.43% | 0.67% | -155 bps | |
| Loan Growth (YoY) | 5.84% | 1.74% | 5.70% | 8.95% | 9.67% | 14.07% | 7.44% | 2.82% | -613 bps | |
| Deposit Growth (YoY) | 5.05% | 0.98% | 1.14% | -3.80% | -2.39% | 5.87% | 3.78% | 5.71% | +951 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 | 0.29% | 0.29% | 0.27% | 0.19% | 0.28% | 0.25% | 0.25% | 0.07% | -11 bps | |
| Allowance / Loans | 1.41% | 1.43% | 1.40% | 1.40% | 1.36% | 1.34% | 1.34% | 1.43% | +4 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 | 12.30% | 12.68% | 12.37% | 12.36% | 12.09% | 11.63% | 12.09% | 12.51% | +15 bps | |
| Equity / Assets | 8.42% | 8.53% | 8.68% | 8.89% | 8.66% | 8.38% | 8.83% | 9.12% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.61% | 106.22% | 115.49% | 119.39% | 119.78% | 114.45% | 119.56% | 116.12% | -327 bps | |
| Liquid Assets / Assets | 18.04% | 16.36% | 13.14% | 11.19% | 11.37% | 13.16% | 10.90% | 11.46% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |