Okmulgee, OK · Cert 4171
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Okmulgee, OK · Cert 4171
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.25% | 0.50% | 0.62% | 0.80% | 0.80% | 0.73% | 0.75% | +13 bps | |
| Return on Equity | 8.10% | 3.74% | 7.47% | 9.16% | 11.79% | 11.82% | 10.89% | 11.17% | +201 bps | |
| Net Interest Margin | 4.23% | 4.12% | 4.00% | 4.07% | 4.11% | 4.09% | 4.11% | 4.08% | +1 bps | |
| Efficiency Ratio | 75.15% | 76.75% | 76.04% | 74.49% | 73.36% | 72.96% | 74.46% | 74.26% | -24 bps | |
| Non-Interest Burden | 2.92% | 2.92% | 2.78% | 2.75% | 2.75% | 2.70% | 2.81% | 2.76% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.31% | 9.76% | 9.27% | 2.09% | 4.17% | 9.26% | 10.22% | 11.32% | +924 bps | |
| Loan Growth (YoY) | 0.20% | -4.20% | -3.70% | -0.25% | 0.33% | 6.14% | 10.71% | 18.74% | +1,899 bps | |
| Deposit Growth (YoY) | 14.88% | 13.63% | 13.69% | 3.02% | 1.38% | 9.30% | 4.45% | 9.65% | +663 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 | 0.37% | 0.55% | 0.41% | 0.37% | 0.16% | 0.18% | 0.24% | 0.18% | -19 bps | |
| Allowance / Loans | 0.52% | 0.76% | 0.75% | 0.73% | 0.74% | 0.74% | 0.68% | 0.67% | -7 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 | 10.55% | 11.03% | 11.31% | 11.24% | 11.20% | 11.02% | 10.80% | 10.33% | -91 bps | |
| Equity / Assets | 6.65% | 6.72% | 6.89% | 6.85% | 6.80% | 6.54% | 6.75% | 6.65% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.27% | 77.58% | 78.44% | 77.12% | 77.46% | 75.34% | 83.13% | 83.51% | +639 bps | |
| Liquid Assets / Assets | 0.06% | 0.07% | 1.54% | 1.48% | 1.45% | 1.40% | 1.42% | 1.32% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |