Muskogee, OK · Cert 4046
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.
Muskogee, OK · Cert 4046
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 | -5.14% | 5.06% | 3.08% | -0.18% | 0.01% | -0.03% | -0.07% | -0.19% | 0 bps | |
| Return on Equity | -43.17% | 61.76% | 34.44% | -1.93% | 0.11% | -0.32% | -0.80% | -2.01% | -8 bps | |
| Net Interest Margin | 5.64% | 5.79% | 6.46% | 1.41% | 2.09% | 4.46% | 4.60% | 4.38% | +297 bps | |
| Efficiency Ratio | 78.09% | 88.16% | 89.03% | 110.62% | 92.15% | 93.82% | 93.35% | 93.01% | -1,760 bps | |
| Non-Interest Burden | 3.93% | 4.94% | 5.58% | 1.59% | 1.95% | 4.25% | 4.38% | 4.15% | +256 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.29% | -7.50% | -18.79% | 18.76% | 48.13% | 73.95% | 96.60% | 26.51% | +775 bps | |
| Loan Growth (YoY) | -4.67% | -15.64% | -10.12% | 50.31% | 76.58% | 93.60% | 90.67% | 16.61% | -3,370 bps | |
| Deposit Growth (YoY) | 12.25% | -2.98% | -15.84% | 21.94% | 44.97% | 73.79% | 99.02% | 28.92% | +698 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 | 9.14% | 0.00% | 0.43% | 0.22% | 0.49% | 0.00% | 0.71% | 1.01% | +80 bps | |
| Allowance / Loans | 1.63% | 1.81% | 1.56% | 1.16% | 0.77% | 0.85% | 0.61% | 0.34% | -81 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 | 11.08% | 13.94% | 13.94% | 11.58% | 9.84% | 10.62% | 10.83% | 10.69% | -88 bps | |
| Equity / Assets | 7.10% | 9.43% | 10.70% | 10.88% | 9.29% | 9.33% | 9.32% | 9.17% | -172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.19% | 78.54% | 90.54% | 94.14% | 91.58% | 87.50% | 86.74% | 85.14% | -899 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 |