Minco, OK · Cert 4149
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.
Minco, OK · Cert 4149
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 | 1.55% | 0.57% | 1.96% | 1.81% | 1.48% | 0.39% | 1.64% | 0.41% | -139 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 | 3.46% | 3.60% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 62.73% | 91.44% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 1.86% | 3.22% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.82% | 2.68% | 1.77% | 7.66% | 5.30% | 5.44% | -0.33% | -3.62% | -1,128 bps | |
| Loan Growth (YoY) | 49.94% | 25.75% | 17.08% | 4.87% | 9.18% | 9.58% | 15.93% | 12.43% | +756 bps | |
| Deposit Growth (YoY) | 6.52% | 2.25% | 1.13% | 7.86% | 5.35% | 5.63% | -0.73% | -3.61% | -1,147 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 | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 0.89% | 0.89% | 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 | 33.19% | 32.28% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 12.10% | 12.11% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 30.34% | 30.10% | 28.99% | 29.48% | 31.45% | 31.22% | 33.85% | 34.38% | +490 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 51.78% | 52.79% | +5,279 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |