Oklahoma City, OK · Charter 3172
Q4 1998
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.37% | 4.37% | 3.91% | 3.69% | 2.91% | 2.97% | 3.43% | 1.33% | -236 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 4.51% | 1.99% | 6.78% | -4.28% | -6.21% | -9.74% | -1,173 bps | |
| Loan Growth (YoY) | n/a | n/a | 7.07% | 10.82% | 8.93% | 6.74% | 0.26% | -15.33% | -2,616 bps | |
| Share Growth (YoY) | n/a | n/a | 1.33% | 4.21% | 8.12% | -3.71% | -4.51% | -5.64% | -985 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.34% | 1.40% | 2.17% | 1.90% | 2.74% | 2.33% | 2.04% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 1.06% | 0.58% | 1.10% | 1.27% | 1.37% | 1.39% | 2.09% | +99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.05% | 88.53% | 88.43% | 99.00% | 92.74% | 98.14% | 92.85% | 88.83% | -1,017 bps | |
| Liquid Assets / Assets | 10.59% | 13.30% | 12.33% | 4.87% | 10.36% | 5.59% | 10.43% | 10.96% | +609 bps | |