Elk City, OK · Cert 4191
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.50% | 1.49% | 1.52% | 1.62% | 1.90% | 1.90% | 2.00% | +48 bps | |
| Return on Equity | 10.54% | 11.09% | 10.81% | 10.94% | 11.79% | 15.07% | 14.83% | 15.45% | +451 bps | |
| Net Interest Margin | 3.93% | 3.99% | 4.06% | 4.32% | 4.48% | 4.52% | 4.44% | 4.61% | +29 bps | |
| Efficiency Ratio | 50.13% | 55.41% | 56.45% | 56.69% | 55.96% | 55.26% | 55.47% | 54.92% | -176 bps | |
| Non-Interest Burden | 2.11% | 2.46% | 2.53% | 2.71% | 2.76% | 2.56% | 2.52% | 2.58% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.64% | 3.65% | 3.78% | -0.64% | 0.27% | 6.27% | 6.34% | 6.74% | +738 bps | |
| Loan Growth (YoY) | 13.70% | 11.97% | 14.40% | 7.09% | -0.21% | 5.10% | 13.37% | 9.09% | +199 bps | |
| Deposit Growth (YoY) | 3.91% | 4.24% | 3.82% | 3.52% | -0.90% | 7.65% | 7.70% | 9.65% | +612 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 | 0.10% | 0.05% | 0.09% | 0.07% | 0.06% | 0.06% | 0.05% | 0.06% | -1 bps | |
| Allowance / Loans | 0.99% | 1.02% | 1.06% | 1.04% | 1.00% | 0.98% | 0.95% | 0.94% | -10 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 | 11.73% | 12.32% | 13.39% | 13.47% | 11.98% | 12.62% | 12.74% | 12.90% | -56 bps | |
| Equity / Assets | 13.52% | 13.48% | 14.22% | 14.51% | 12.89% | 12.41% | 13.21% | 13.39% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.27% | 98.86% | 99.16% | 106.14% | 105.00% | 96.52% | 104.38% | 105.60% | -54 bps | |
| Liquid Assets / Assets | 0.00% | 6.60% | 6.43% | 2.14% | 0.90% | 7.75% | 1.69% | 0.78% | -137 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |