Guthrie, OK · Cert 416
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Guthrie, OK · Cert 416
FDIC
Q1 2012
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.31% | -1.14% | -0.74% | -0.42% | 0.04% | -9.10% | -7.55% | -18.53% | -1,811 bps | |
| Return on Equity | -30.49% | -15.41% | -9.99% | -5.90% | 0.54% | -136.83% | -121.05% | -1908% | -190,244 bps | |
| Net Interest Margin | 4.51% | 4.44% | 4.43% | 4.00% | 4.15% | 5.82% | 6.26% | 1.24% | -276 bps | |
| Efficiency Ratio | 70.07% | 71.86% | 71.04% | 108.28% | 99.24% | 103.99% | 105.92% | 450% | +34,211 bps | |
| Non-Interest Burden | 2.85% | 2.90% | 2.78% | 4.41% | 4.11% | 6.12% | 6.77% | 8.70% | +429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.82% | -2.30% | -3.60% | -4.53% | -5.89% | -54.80% | -56.30% | -62.64% | -5,811 bps | |
| Loan Growth (YoY) | 0.97% | -1.91% | -3.31% | -6.11% | -12.51% | -67.06% | -69.61% | -72.42% | -6,631 bps | |
| Deposit Growth (YoY) | -0.58% | 0.56% | 3.08% | 3.78% | 0.46% | -49.76% | -52.44% | -58.41% | -6,219 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 | 3.07% | 1.95% | 1.86% | 0.04% | 0.03% | 29.24% | 21.53% | 32.67% | +3,263 bps | |
| Allowance / Loans | 2.31% | 2.40% | 2.47% | 2.54% | 2.76% | 3.73% | 6.25% | 3.46% | +92 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 | 8.80% | 9.20% | 9.37% | 9.58% | 10.33% | 5.03% | 5.35% | -1.86% | -1,144 bps | |
| Equity / Assets | 6.58% | 6.99% | 7.08% | 7.12% | 7.47% | 2.93% | 3.02% | -1.48% | -860 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.04% | 110.10% | 104.95% | 100.91% | 94.96% | 72.18% | 67.07% | 66.91% | -3,400 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 0.01% | 1.78% | 2.32% | 5.80% | 5.95% | 3.62% | +184 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |