Ketchum, OK · Cert 417
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.34% | -1.51% | -0.12% | -0.06% | -0.34% | 0.22% | 0.97% | 1.14% | +120 bps | |
| Return on Equity | -82.47% | -18.79% | -1.55% | -0.77% | -4.26% | 2.71% | 11.79% | 13.22% | +1,399 bps | |
| Net Interest Margin | 4.93% | 5.16% | 4.91% | 4.72% | 4.57% | 4.34% | 4.36% | 4.41% | -31 bps | |
| Efficiency Ratio | 101.46% | 101.64% | 98.56% | 98.98% | 108.21% | 92.72% | 79.87% | 76.64% | -2,234 bps | |
| Non-Interest Burden | 5.00% | 5.24% | 4.83% | 4.67% | 4.91% | 4.05% | 3.40% | 3.27% | -140 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 | 6.76% | 2.01% | 2.02% | 3.57% | 1.83% | 0.24% | 0.67% | 0.34% | -323 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 |