Cleveland, OK · Cert 4064
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 | -1.15% | -0.97% | -0.50% | 0.80% | 1.00% | 1.15% | 0.97% | 2.26% | +146 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 19.30% | 21.29% | 17.64% | 38.85% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.62% | 4.48% | 4.15% | 3.99% | 5.47% | +85 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 80.50% | 79.88% | 77.02% | 78.82% | 60.10% | -2,040 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.56% | 3.40% | 3.01% | 3.01% | 2.98% | -58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.04% | -8.72% | -1.36% | 4.45% | 7.64% | 12.11% | 12.48% | 2.75% | -170 bps | |
| Loan Growth (YoY) | -24.13% | -18.41% | 5.47% | 14.92% | 26.49% | 29.97% | 19.59% | 4.72% | -1,020 bps | |
| Deposit Growth (YoY) | -15.41% | -4.77% | -1.66% | 3.65% | 6.81% | 11.00% | 12.28% | 1.92% | -173 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 | 0.70% | 0.80% | 1.02% | 1.01% | 0.26% | -44 bps | |
| Allowance / Loans | n/a | n/a | n/a | 2.57% | 2.30% | 2.00% | 1.73% | 1.80% | -77 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 | 8.85% | 8.83% | 8.98% | 9.03% | 10.13% | +129 bps | |
| Equity / Assets | n/a | n/a | n/a | 5.09% | 5.30% | 5.52% | 5.49% | 6.13% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.46% | 61.09% | 67.58% | 68.73% | 72.78% | 71.53% | 71.98% | 70.62% | +189 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 |