Oklahoma City, OK · Cert 33884
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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 33884
FDIC
Q4 2011
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 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.67% | 0.65% | 0.64% | 0.77% | 0.89% | 0.86% | 0.80% | +16 bps | |
| Return on Equity | 0.82% | 0.67% | 0.65% | 0.64% | 0.77% | 0.89% | 0.86% | 0.80% | +16 bps | |
| Net Interest Margin | 1.15% | 1.14% | 1.11% | 1.05% | 0.71% | 0.67% | 0.58% | 0.52% | -53 bps | |
| Efficiency Ratio | 37.88% | 47.90% | 49.58% | 48.61% | 38.49% | 31.24% | 30.11% | 32.76% | -1,586 bps | |
| Non-Interest Burden | -0.19% | 0.04% | 0.06% | 0.02% | -0.55% | -0.78% | -0.80% | -0.77% | -79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | 0.76% | 0.65% | 0.63% | 0.61% | 0.78% | 0.79% | 0.81% | +17 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 527% | 526% | 527% | 526% | 527% | 524% | 523% | 520% | -612 bps | |
| Equity / Assets | 99.86% | 99.99% | 99.99% | 99.99% | 99.87% | 99.96% | 99.99% | 99.99% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 93.09% | 93.02% | 92.15% | 92.18% | 92.23% | 92.13% | 92.08% | 92.03% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |