Oklahoma City, OK · Cert 4167
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Oklahoma City, OK · Cert 4167
FDIC
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.20% | -0.20% | 0.41% | 0.28% | 0.29% | 0.32% | 0.43% | +1 bps | |
| Return on Equity | n/a | n/a | n/a | 2.79% | 1.90% | 1.86% | 2.15% | 2.84% | +5 bps | |
| Net Interest Margin | 2.81% | 2.81% | 2.54% | 1.95% | 1.91% | 2.05% | 1.79% | 1.80% | -15 bps | |
| Efficiency Ratio | 67.92% | 70.77% | 73.61% | 64.11% | 65.63% | 68.84% | 67.98% | 61.49% | -261 bps | |
| Non-Interest Burden | 1.60% | 1.69% | 1.62% | 0.99% | 1.01% | 1.16% | 0.95% | 0.72% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.70% | -1.31% | -19.85% | -11.82% | 5.35% | -23.46% | 16.21% | -11.19% | +63 bps | |
| Loan Growth (YoY) | -14.67% | -18.84% | -24.35% | -27.07% | -22.85% | -22.40% | -24.71% | -28.60% | -153 bps | |
| Deposit Growth (YoY) | -1.90% | -2.04% | 4.01% | 8.70% | 3.96% | 6.09% | 13.97% | -1.09% | -978 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 | 1.25% | 1.19% | 2.73% | 2.00% | 1.84% | 1.84% | 1.87% | 1.53% | -47 bps | |
| Allowance / Loans | 1.64% | 1.72% | 2.17% | 2.09% | 2.39% | 2.49% | 2.87% | 3.18% | +109 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 | 14.60% | 14.49% | 15.86% | 16.20% | 16.87% | 18.04% | 17.50% | 20.35% | +414 bps | |
| Equity / Assets | 15.80% | 13.11% | 15.59% | 14.11% | 15.13% | 17.08% | 13.83% | 16.51% | +240 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.55% | 63.08% | 52.65% | 47.95% | 48.64% | 46.14% | 34.78% | 34.61% | -1,334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |