Muskogee, OK · Cert 4046
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.90% | 0.43% | -0.03% | -0.12% | -0.40% | +549 bps | |
| Return on Equity | -54.54% | 4.30% | -0.32% | -1.26% | -4.37% | +5,017 bps | |
| Net Interest Margin | -6.94% | 5.19% | 4.46% | 4.72% | 4.46% | +1,140 bps | |
| Efficiency Ratio | 110.62% | 80.56% | 93.82% | 92.90% | 92.35% | -1,827 bps | |
| Non-Interest Burden | -4.87% | 4.25% | 4.25% | 4.49% | 4.18% | +904 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.76% | 48.13% | 73.95% | 96.60% | 26.51% | +775 bps | |
| Loan Growth (YoY) | 50.31% | 76.58% | 93.60% | 90.67% | 16.61% | -3,370 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.13% | 1.40% | 0.00% | 1.41% | 1.63% | +150 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.58% | 9.84% | 10.62% | 10.83% | 10.69% | -88 bps | |
| Equity / Assets | 10.88% | 9.29% | 9.33% | 9.32% | 9.17% | -172 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 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 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |