Duncan, OK · Cert 4081
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Duncan, OK · Cert 4081
FDIC
Q1 2002
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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.38% | -0.58% | -0.88% | -0.99% | -1.35% | -1.30% | -0.17% | +71 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -1.54% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.77% | 3.45% | 3.40% | 3.44% | 3.94% | +18 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 113.84% | 110.92% | 113.11% | 114.12% | 98.93% | -1,491 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 4.43% | 3.97% | 4.02% | 4.14% | 3.89% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.38% | 35.15% | 29.26% | 37.25% | 36.23% | 21.20% | 13.25% | 2.46% | -3,479 bps | |
| Loan Growth (YoY) | 26.01% | 27.93% | 22.98% | 25.66% | 21.45% | 10.87% | 6.37% | 2.24% | -2,341 bps | |
| Deposit Growth (YoY) | 11.50% | 31.68% | 43.71% | 51.32% | 47.40% | 31.06% | 16.12% | 2.05% | -4,926 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 | 0.55% | 1.19% | 1.25% | 0.89% | 0.27% | -28 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.29% | 1.15% | 1.70% | 1.93% | 1.95% | +66 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 | 10.59% | 11.06% | 10.72% | 11.58% | 11.67% | +109 bps | |
| Equity / Assets | n/a | n/a | n/a | 11.02% | 11.11% | 10.46% | 11.21% | 11.43% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.14% | 93.36% | 91.38% | 85.87% | 84.99% | 78.99% | 83.71% | 86.03% | +16 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.02% | 0.03% | 0.03% | 0.01% | 0.01% | -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 |