Waurika, OK · Cert 4223
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 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.
Waurika, OK · Cert 4223
FDIC
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.75% | 0.54% | 1.05% | 0.82% | 0.80% | 1.01% | 0.82% | -23 bps | |
| Return on Equity | 10.22% | 8.38% | 5.94% | 11.08% | 8.94% | 8.97% | 11.00% | 7.98% | -310 bps | |
| Net Interest Margin | 3.97% | 3.80% | 3.65% | 3.54% | 3.39% | 3.18% | 3.34% | 3.18% | -36 bps | |
| Efficiency Ratio | 73.52% | 76.46% | 80.35% | 78.57% | 78.83% | 76.62% | 80.74% | 71.04% | -753 bps | |
| Non-Interest Burden | 2.68% | 2.69% | 2.76% | 2.59% | 2.49% | 2.24% | 2.52% | 1.95% | -64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.26% | 0.32% | 0.10% | -0.81% | 10.64% | 9.53% | 6.99% | 6.47% | +728 bps | |
| Loan Growth (YoY) | -8.11% | -2.71% | -3.86% | -7.99% | -3.10% | -6.04% | -0.89% | -4.37% | +362 bps | |
| Deposit Growth (YoY) | -3.25% | 0.96% | -2.00% | -2.49% | 12.87% | 10.24% | 6.19% | 7.50% | +999 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 | 0.00% | -0.02% | 0.00% | 0.06% | 0.04% | 0.14% | 0.13% | 0.00% | -6 bps | |
| Allowance / Loans | 3.42% | 3.14% | 3.05% | 3.04% | 3.51% | 3.22% | 1.60% | 1.66% | -137 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 | 23.50% | 21.87% | 22.32% | 21.67% | 23.04% | 22.52% | 23.19% | 23.56% | +189 bps | |
| Equity / Assets | 9.01% | 8.98% | 9.68% | 9.33% | 8.43% | 8.55% | 10.08% | 10.53% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.47% | 41.85% | 47.15% | 45.88% | 35.60% | 35.67% | 44.01% | 40.81% | -507 bps | |
| Liquid Assets / Assets | 15.98% | 21.38% | 22.03% | 20.98% | 20.56% | 21.72% | 20.63% | 16.85% | -413 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |