Bartlesville, OK · Cert 4039
FDIC
Q1 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.07% | 1.07% | 0.90% | 1.00% | 1.04% | 0.95% | 1.40% | +50 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 9.76% | 9.93% | 9.11% | 13.99% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.53% | 3.43% | 3.47% | 3.52% | 3.54% | +1 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 72.30% | 71.11% | 72.63% | 74.20% | 66.33% | -597 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 1.99% | 1.83% | 1.97% | 2.01% | 1.62% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.46% | -1.76% | 1.39% | 2.78% | 7.18% | 4.08% | 1.85% | -3.23% | -601 bps | |
| Loan Growth (YoY) | 18.07% | 23.39% | 14.38% | 9.08% | 1.63% | 2.90% | 1.42% | -3.09% | -1,217 bps | |
| Deposit Growth (YoY) | 4.88% | 4.33% | 7.32% | 8.95% | 9.68% | 4.33% | 3.78% | -1.84% | -1,079 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 | n/a | n/a | n/a | -0.04% | 0.10% | 0.10% | 0.07% | 0.24% | +29 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.26% | 1.25% | 1.22% | 1.22% | 1.19% | -7 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 | n/a | n/a | n/a | 12.51% | 12.51% | 12.68% | 12.07% | 11.45% | -106 bps | |
| Equity / Assets | n/a | n/a | n/a | 10.40% | 10.11% | 10.83% | 10.11% | 9.94% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.97% | 71.72% | 68.00% | 68.26% | 65.76% | 70.74% | 66.45% | 67.40% | -87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |