Ketchum, OK · Cert 417
FDIC
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Ketchum, OK · Cert 417
FDIC
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.06% | -1.51% | -0.82% | -0.57% | -0.51% | 0.22% | 0.59% | 0.77% | +134 bps | |
| Return on Equity | -21.81% | -18.79% | -10.25% | -7.12% | -6.41% | 2.71% | 7.28% | 9.29% | +1,641 bps | |
| Net Interest Margin | 5.37% | 5.16% | 5.12% | 5.06% | 4.81% | 4.34% | 4.36% | 4.50% | -57 bps | |
| Efficiency Ratio | 76.09% | 101.64% | 100.00% | 99.68% | 101.56% | 92.72% | 85.76% | 82.59% | -1,709 bps | |
| Non-Interest Burden | 3.98% | 5.24% | 5.12% | 5.05% | 4.88% | 4.05% | 3.73% | 3.68% | -137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.03% | -10.60% | -12.84% | -7.56% | -0.97% | -2.70% | -0.74% | -5.86% | +170 bps | |
| Loan Growth (YoY) | -14.13% | -17.80% | -22.06% | -18.84% | -12.14% | 3.58% | 22.12% | 25.75% | +4,459 bps | |
| Deposit Growth (YoY) | -7.53% | -8.70% | -11.01% | -5.97% | -0.57% | -2.92% | -1.06% | -6.76% | -79 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 | 4.09% | 2.01% | 2.09% | 2.61% | 2.39% | 0.24% | 0.45% | 0.41% | -220 bps | |
| Allowance / Loans | 3.12% | 3.31% | 3.15% | 2.35% | 1.87% | 1.63% | 1.32% | 1.22% | -113 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 | 12.57% | 12.31% | 12.94% | 12.84% | 12.46% | 12.11% | 12.40% | 12.65% | -18 bps | |
| Equity / Assets | 8.19% | 7.90% | 8.04% | 8.03% | 7.82% | 8.13% | 8.35% | 8.94% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.47% | 71.70% | 68.28% | 66.69% | 65.81% | 76.50% | 84.28% | 89.94% | +2,325 bps | |
| Liquid Assets / Assets | 6.19% | 6.25% | 6.41% | 5.86% | 5.36% | 5.51% | 3.95% | 3.31% | -255 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |