Chandler, OK · Cert 4057
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Chandler, OK · Cert 4057
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.36% | 1.36% | 1.43% | 1.58% | 1.74% | 1.98% | 2.02% | +59 bps | |
| Return on Equity | 19.66% | 14.20% | 13.98% | 14.52% | 15.97% | 17.16% | 19.39% | 19.15% | +462 bps | |
| Net Interest Margin | 4.16% | 3.93% | 3.96% | 4.07% | 4.15% | 4.20% | 4.17% | 4.08% | +1 bps | |
| Efficiency Ratio | 56.14% | 62.06% | 60.92% | 59.67% | 58.08% | 60.09% | 58.12% | 56.58% | -309 bps | |
| Non-Interest Burden | 2.19% | 2.32% | 2.29% | 2.30% | 2.28% | 2.41% | 2.26% | 2.15% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.81% | -10.50% | -2.39% | -1.04% | 2.23% | 6.94% | 9.81% | 5.09% | +613 bps | |
| Loan Growth (YoY) | 8.88% | 6.03% | -0.10% | -2.11% | -4.32% | -3.18% | 6.32% | 7.70% | +982 bps | |
| Deposit Growth (YoY) | -1.30% | -12.01% | -3.17% | -2.35% | 1.76% | 5.73% | 8.87% | 3.11% | +545 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 | -0.02% | 0.03% | 0.11% | 0.10% | 0.08% | 0.03% | 0.02% | 0.04% | -6 bps | |
| Allowance / Loans | 1.12% | 1.22% | 1.42% | 1.52% | 1.56% | 1.60% | 1.52% | 1.48% | -4 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 | 13.87% | 14.52% | 15.28% | 15.17% | 15.07% | 15.47% | 15.00% | 15.38% | +22 bps | |
| Equity / Assets | 9.32% | 9.89% | 9.88% | 10.31% | 9.95% | 10.32% | 10.32% | 11.57% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.79% | 78.90% | 74.50% | 75.54% | 73.14% | 72.26% | 72.75% | 78.90% | +337 bps | |
| Liquid Assets / Assets | 0.02% | 0.03% | 0.02% | 0.02% | 2.34% | 3.10% | 2.99% | 1.57% | +155 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |