Haskell, OK · Cert 4110
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Haskell, OK · Cert 4110
FDIC
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.83% | 1.86% | 1.93% | 1.36% | 1.73% | 1.44% | 1.62% | -32 bps | |
| Return on Equity | 18.54% | 20.77% | 21.30% | 22.40% | 16.27% | 20.63% | 17.25% | 19.27% | -313 bps | |
| Net Interest Margin | 5.55% | 5.54% | 5.44% | 5.40% | 5.14% | 5.13% | 5.10% | 5.01% | -39 bps | |
| Efficiency Ratio | 61.41% | 57.14% | 56.05% | 55.58% | 63.53% | 57.39% | 61.26% | 59.13% | +355 bps | |
| Non-Interest Burden | 2.83% | 2.54% | 2.38% | 2.32% | 2.76% | 2.31% | 2.56% | 2.37% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.94% | 11.15% | 11.15% | 10.71% | 5.19% | 5.38% | 6.11% | 1.17% | -954 bps | |
| Loan Growth (YoY) | 9.03% | 14.31% | 10.97% | 12.82% | 8.90% | 7.93% | 8.45% | 5.01% | -781 bps | |
| Deposit Growth (YoY) | 4.74% | 0.18% | 6.56% | 7.97% | 2.81% | 8.79% | 2.26% | 4.04% | -394 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 | 0.02% | 0.04% | 0.02% | 0.02% | 0.02% | 0.01% | 0.02% | 0.03% | +1 bps | |
| Allowance / Loans | 1.08% | 1.04% | 1.08% | 1.06% | 1.08% | 1.08% | 1.11% | 1.14% | +8 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 | 12.09% | 12.05% | 12.33% | 11.88% | 12.18% | 12.18% | 12.08% | 12.24% | +36 bps | |
| Equity / Assets | 8.33% | 8.37% | 8.50% | 8.25% | 8.44% | 8.42% | 8.30% | 8.61% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.12% | 100.79% | 95.40% | 100.19% | 97.58% | 99.99% | 101.18% | 101.13% | +94 bps | |
| Liquid Assets / Assets | 0.03% | 0.04% | 0.07% | 0.02% | 0.03% | 0.04% | 0.07% | 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 |