Clayton, OK · Cert 409
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 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.
Clayton, OK · Cert 409
FDIC
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.77% | 1.72% | 1.82% | 1.98% | 1.89% | 1.80% | 2.11% | 2.09% | +11 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 21.24% | 21.45% | n/a | |
| Net Interest Margin | n/a | n/a | 4.31% | 4.40% | 4.23% | 4.29% | 4.60% | 4.40% | 0 bps | |
| Efficiency Ratio | n/a | n/a | 56.33% | 53.33% | 54.36% | 55.46% | 49.66% | 47.41% | -592 bps | |
| Non-Interest Burden | n/a | n/a | 1.98% | 1.83% | 1.83% | 1.93% | 1.77% | 1.56% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.06% | 1.48% | 0.91% | 7.17% | 13.01% | 11.44% | 12.14% | 13.88% | +671 bps | |
| Loan Growth (YoY) | 0.50% | 1.50% | 10.84% | 34.26% | 35.31% | 37.66% | 30.16% | 11.03% | -2,323 bps | |
| Deposit Growth (YoY) | 2.27% | 1.51% | 0.33% | 7.23% | 13.89% | 13.08% | 14.12% | 16.16% | +893 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 | -0.12% | -0.03% | -0.07% | 0.14% | -0.14% | 0.07% | +9 bps | |
| Allowance / Loans | n/a | n/a | 1.42% | 1.18% | 1.18% | 1.29% | 1.30% | 1.22% | +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 | n/a | n/a | 26.58% | 23.58% | 24.64% | 20.28% | 20.90% | 18.49% | -509 bps | |
| Equity / Assets | n/a | n/a | 11.26% | 11.02% | 11.40% | 9.99% | 9.92% | 9.40% | -162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.91% | 39.29% | 40.07% | 44.64% | 45.04% | 47.83% | 45.71% | 42.67% | -197 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 |