Hennessey, OK · Cert 413
FDIC
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.96% | 1.11% | 1.01% | 1.03% | 1.00% | 1.19% | 1.25% | +24 bps | |
| Return on Equity | 9.99% | 11.93% | 13.77% | 12.57% | 12.90% | 12.60% | 14.93% | 15.31% | +274 bps | |
| Net Interest Margin | 3.43% | 3.33% | 3.29% | 3.27% | 3.01% | 2.94% | 2.92% | 2.89% | -39 bps | |
| Efficiency Ratio | 51.63% | 49.98% | 49.25% | 54.36% | 52.11% | 53.07% | 49.64% | 51.42% | -293 bps | |
| Non-Interest Burden | 1.49% | 1.37% | 1.32% | 1.51% | 1.21% | 1.25% | 1.02% | 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 | 0.67% | 0.76% | 0.78% | 0.73% | 0.73% | 0.67% | 0.68% | 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 |