Tulsa, OK · Cert 34757
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Tulsa, OK · Cert 34757
FDIC
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.91% | 0.98% | 1.10% | 1.24% | 1.30% | 1.34% | 1.14% | +4 bps | |
| Return on Equity | 9.47% | 9.68% | 10.37% | 11.60% | 12.92% | 13.62% | 14.12% | 11.93% | +34 bps | |
| Net Interest Margin | 4.10% | 4.10% | 4.14% | 4.74% | 4.82% | 4.70% | 4.55% | 4.91% | +17 bps | |
| Efficiency Ratio | 64.28% | 64.29% | 62.74% | 59.30% | 57.92% | 56.02% | 55.24% | 51.20% | -810 bps | |
| Non-Interest Burden | 2.50% | 2.50% | 2.47% | 2.66% | 2.64% | 2.51% | 2.41% | 2.41% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.66% | 14.23% | 13.37% | 12.34% | 6.62% | 11.87% | 16.46% | 11.59% | -75 bps | |
| Loan Growth (YoY) | 6.95% | 13.86% | 8.88% | 10.96% | 15.42% | 7.61% | 17.21% | 13.96% | +301 bps | |
| Deposit Growth (YoY) | 8.17% | 6.27% | 14.89% | 11.21% | 6.17% | 14.43% | 20.32% | 13.88% | +267 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 | -0.01% | 0.03% | 0.03% | 1.22% | 0.67% | 0.44% | 0.30% | -0.45% | -167 bps | |
| Allowance / Loans | 1.03% | 0.98% | 1.03% | 0.81% | 0.77% | 0.79% | 0.75% | 1.07% | +26 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 | 12.50% | 11.72% | 12.09% | 11.89% | 12.01% | 12.19% | 11.57% | 12.40% | +52 bps | |
| Equity / Assets | 9.33% | 9.26% | 9.48% | 9.48% | 9.87% | 9.46% | 9.38% | 9.79% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.28% | 113.20% | 113.22% | 109.41% | 115.54% | 106.45% | 110.30% | 109.50% | +9 bps | |
| Liquid Assets / Assets | 0.03% | 0.02% | 0.03% | 0.03% | 0.03% | 0.02% | 0.02% | 0.00% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |