Hennessey, OK · Cert 413
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 1.26% | 1.54% | 1.01% | 1.04% | 0.94% | 1.73% | 1.25% | +24 bps | |
| Return on Equity | 11.50% | 15.53% | 18.94% | 12.57% | 13.23% | 11.95% | 21.68% | 15.31% | +274 bps | |
| Net Interest Margin | 3.58% | 3.40% | 3.30% | 3.27% | 2.94% | 2.92% | 3.04% | 2.89% | -39 bps | |
| Efficiency Ratio | 49.23% | 46.85% | 47.12% | 54.36% | 50.00% | 55.14% | 41.60% | 51.42% | -293 bps | |
| Non-Interest Burden | 1.50% | 1.25% | 1.22% | 1.51% | 0.99% | 1.39% | 0.40% | 1.12% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.98% | 12.47% | 12.01% | 15.61% | 16.92% | 11.81% | 8.58% | 1.90% | -1,371 bps | |
| Loan Growth (YoY) | 16.85% | 13.41% | 11.22% | 5.81% | -3.20% | -4.24% | -6.23% | -16.67% | -2,248 bps | |
| Deposit Growth (YoY) | 4.12% | 8.55% | 6.69% | 8.01% | 2.25% | 1.95% | 5.66% | 1.17% | -684 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 | 0.48% | 0.92% | 0.88% | 0.73% | 0.72% | 0.51% | 0.72% | 0.25% | -48 bps | |
| Allowance / Loans | 1.46% | 1.42% | 1.31% | 1.31% | 1.37% | 1.37% | 1.25% | 1.38% | +7 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 | 10.30% | 10.39% | 10.56% | 10.65% | 10.96% | 11.32% | 11.39% | 12.49% | +183 bps | |
| Equity / Assets | 8.24% | 8.05% | 8.19% | 7.83% | 7.86% | 7.91% | 8.08% | 8.23% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.47% | 95.05% | 98.46% | 90.58% | 92.28% | 89.28% | 87.38% | 74.61% | -1,597 bps | |
| Liquid Assets / Assets | 1.28% | 3.70% | 6.75% | 5.94% | 5.24% | 4.60% | 4.26% | 4.00% | -193 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |