Edmond, OK · Cert 34996
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.40% | 1.86% | 1.71% | 1.56% | 1.29% | 0.00% | 1.40% | 1.24% | -32 bps | |
| Return on Equity | 26.68% | 19.76% | 18.82% | 14.80% | 10.66% | 0.00% | 9.75% | 6.75% | -806 bps | |
| Net Interest Margin | 4.57% | 4.52% | 4.63% | 4.39% | 4.56% | 4.58% | 0.31% | 4.15% | -24 bps | |
| Efficiency Ratio | 58.39% | 62.19% | 66.05% | 67.65% | 62.30% | 67.35% | 109.17% | 53.57% | -1,408 bps | |
| Non-Interest Burden | 2.25% | 2.51% | 2.72% | 2.74% | 2.52% | 2.94% | 0.40% | 2.61% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.06% | 17.08% | 11.32% | 3.65% | 13.56% | 17.34% | 31.38% | 22.55% | +1,890 bps | |
| Loan Growth (YoY) | 10.37% | 11.80% | 6.40% | -3.33% | 10.61% | 19.33% | 15.05% | 11.58% | +1,492 bps | |
| Deposit Growth (YoY) | 12.13% | 19.69% | -0.54% | 12.87% | 13.54% | 11.23% | 42.60% | 13.24% | +36 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 | 0.09% | 0.00% | 0.00% | 0.02% | 0.58% | 1.23% | -1.26% | 0.31% | +29 bps | |
| Allowance / Loans | 1.18% | 1.19% | 1.22% | 1.25% | 1.21% | 1.21% | 1.23% | 1.31% | +6 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 | 11.06% | 10.94% | 10.41% | 13.85% | 12.84% | 11.76% | 11.68% | 13.17% | -68 bps | |
| Equity / Assets | 9.56% | 9.26% | 8.92% | 12.16% | 12.03% | 10.72% | 17.65% | 19.10% | +693 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.84% | 102.83% | 120.27% | 102.53% | 108.96% | 110.32% | 97.03% | 101.03% | -150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |