Frederick, OK · Cert 4100
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Frederick, OK · Cert 4100
FDIC
Q2 2001
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 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.08% | 1.09% | 1.05% | 0.67% | 0.26% | 0.97% | 0.80% | -25 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 3.81% | 3.77% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 65.53% | 65.52% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 2.27% | 2.26% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.45% | -1.13% | -2.19% | -1.34% | -3.68% | 1.56% | 4.90% | 8.79% | +1,013 bps | |
| Loan Growth (YoY) | 11.98% | 5.39% | -1.30% | 1.22% | 3.96% | 2.95% | 11.40% | 11.10% | +988 bps | |
| Deposit Growth (YoY) | 4.96% | -1.42% | -0.22% | -2.02% | -4.62% | -0.71% | 0.04% | 4.62% | +664 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 | n/a | n/a | n/a | 0.08% | 0.08% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 1.58% | 1.66% | n/a | |
| 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 | n/a | n/a | n/a | 13.24% | 13.92% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 12.44% | 12.20% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.47% | 77.30% | 75.56% | 72.24% | 74.62% | 80.15% | 84.13% | 76.72% | +448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | 0.13% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |