Clayton, OK · Cert 409
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 2.15% | 1.70% | 1.52% | 2.11% | 2.08% | -7 bps | |
| Return on Equity | n/a | n/a | n/a | 19.29% | 15.14% | 14.25% | 21.24% | 21.59% | +230 bps | |
| Net Interest Margin | n/a | n/a | 4.31% | 4.64% | 4.32% | 4.81% | 4.60% | 4.39% | -25 bps | |
| Efficiency Ratio | n/a | n/a | 56.33% | 50.71% | 56.39% | 58.39% | 49.66% | 45.17% | -554 bps | |
| Non-Interest Burden | n/a | n/a | 1.98% | 1.74% | 2.00% | 2.39% | 1.77% | 1.43% | -31 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% | 0.05% | -0.15% | 0.75% | -0.14% | 0.27% | +22 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 |