Oklahoma City, OK · Cert 34178
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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 34178
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.10% | 1.13% | 1.16% | 1.14% | 1.13% | 0.48% | 0.71% | -45 bps | |
| Return on Equity | 13.04% | 12.28% | 12.54% | 13.20% | 13.28% | 13.93% | 4.46% | 5.70% | -750 bps | |
| Net Interest Margin | 4.08% | 4.37% | 4.38% | 4.12% | 3.98% | 4.29% | 1.62% | 2.43% | -170 bps | |
| Efficiency Ratio | 63.00% | 63.33% | 62.53% | 60.98% | 61.05% | 60.16% | 57.97% | 58.91% | -208 bps | |
| Non-Interest Burden | 2.28% | 2.56% | 2.52% | 2.30% | 2.23% | 2.40% | 0.87% | 1.32% | -98 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.20% | 4.51% | 13.65% | 19.70% | 20.98% | 31.66% | 34.89% | 14.14% | -556 bps | |
| Loan Growth (YoY) | 9.96% | 6.35% | 10.13% | 13.01% | 7.84% | 10.46% | 1.01% | -7.79% | -2,080 bps | |
| Deposit Growth (YoY) | 10.51% | 8.58% | 17.96% | 24.54% | 24.38% | 35.18% | 26.02% | 4.19% | -2,034 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 | 0.07% | 0.00% | -0.06% | -0.05% | -0.03% | -0.01% | 0.17% | 0.14% | +19 bps | |
| Allowance / Loans | 1.00% | 1.07% | 1.08% | 1.06% | 1.04% | 1.09% | 1.59% | 1.68% | +62 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 | 11.05% | 11.51% | 11.58% | 11.42% | 11.19% | 11.41% | 12.09% | 12.97% | +155 bps | |
| Equity / Assets | 8.50% | 9.40% | 9.04% | 8.24% | 8.00% | 8.17% | 15.89% | 16.83% | +860 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.30% | 94.21% | 90.35% | 81.87% | 80.03% | 76.98% | 72.42% | 72.46% | -942 bps | |
| Liquid Assets / Assets | 2.11% | 1.81% | 1.16% | 1.85% | 2.13% | 2.87% | 3.38% | 2.20% | +35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |