Ada, OK · Cert 34498
FDIC
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.60% | 0.67% | 0.71% | 0.66% | 0.71% | 0.60% | 0.39% | -33 bps | |
| Return on Equity | 7.44% | 7.98% | 8.92% | 9.57% | 8.98% | 9.58% | 8.15% | 5.29% | -428 bps | |
| Net Interest Margin | 4.23% | 4.22% | 4.21% | 4.40% | 4.29% | 4.35% | 4.42% | 4.25% | -15 bps | |
| Efficiency Ratio | 80.69% | 81.11% | 78.73% | 78.62% | 78.92% | 77.88% | 78.77% | 80.68% | +206 bps | |
| Non-Interest Burden | 3.02% | 3.03% | 2.86% | 2.98% | 2.91% | 2.88% | 3.00% | 3.02% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.10% | 8.72% | 6.31% | 8.28% | 10.03% | 5.55% | 5.61% | 5.33% | -295 bps | |
| Loan Growth (YoY) | 14.58% | 12.80% | 12.41% | 11.00% | 10.53% | 6.91% | 6.81% | 5.80% | -521 bps | |
| Deposit Growth (YoY) | 9.19% | 7.17% | 5.71% | 8.45% | 10.72% | 8.14% | 6.43% | 4.66% | -379 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% | 0.33% | 0.51% | 0.37% | 0.38% | 0.47% | 0.47% | 0.37% | 0 bps | |
| Allowance / Loans | 1.39% | 1.30% | 1.18% | 1.21% | 1.21% | 1.22% | 1.37% | 1.45% | +24 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 | 10.43% | 10.44% | 10.45% | 10.33% | 10.15% | 10.47% | 10.33% | 10.31% | -2 bps | |
| Equity / Assets | 7.41% | 7.45% | 7.54% | 7.37% | 7.18% | 7.50% | 7.39% | 7.25% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.25% | 91.10% | 89.61% | 87.49% | 88.10% | 90.07% | 89.93% | 88.45% | +95 bps | |
| Liquid Assets / Assets | 0.09% | 0.08% | 0.09% | 1.85% | 1.56% | 0.84% | 0.06% | 0.73% | -112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |