Weleetka, OK · Cert 4225
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Weleetka, OK · Cert 4225
FDIC
Q4 2003
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 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 1.85% | 2.54% | 2.40% | 1.24% | 1.51% | 1.62% | 1.70% | -71 bps | |
| Return on Equity | 22.52% | 24.96% | 34.74% | 33.07% | 17.14% | 20.55% | 21.58% | 22.29% | -1,078 bps | |
| Net Interest Margin | 5.56% | 5.71% | 5.70% | 5.42% | 5.42% | 5.30% | 5.52% | 5.72% | +30 bps | |
| Efficiency Ratio | 60.90% | 55.94% | 47.70% | 49.32% | 71.68% | 63.41% | 61.01% | 60.33% | +1,101 bps | |
| Non-Interest Burden | 2.79% | 2.53% | 1.46% | 1.66% | 3.59% | 2.98% | 2.95% | 2.99% | +134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.27% | 6.63% | 14.42% | 12.71% | 9.42% | 12.72% | -1.19% | -3.16% | -1,587 bps | |
| Loan Growth (YoY) | 7.63% | 4.15% | 4.24% | 1.30% | 0.28% | 0.53% | -0.31% | 3.01% | +171 bps | |
| Deposit Growth (YoY) | 6.70% | 8.41% | 21.08% | 24.77% | 13.50% | 13.62% | 0.16% | -1.58% | -2,635 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 | 0.24% | 0.07% | 0.12% | 0.11% | 0.51% | 0.28% | 0.18% | 0.17% | +6 bps | |
| Allowance / Loans | 1.70% | 1.75% | 1.71% | 1.79% | 1.70% | 1.65% | 1.61% | 1.57% | -22 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 | 11.39% | 11.68% | 11.17% | 11.52% | 12.28% | 12.38% | 12.18% | 11.96% | +44 bps | |
| Equity / Assets | 7.25% | 7.55% | 7.01% | 7.11% | 7.36% | 7.51% | 8.11% | 8.00% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.23% | 91.78% | 87.43% | 82.95% | 80.60% | 81.21% | 87.02% | 86.81% | +387 bps | |
| Liquid Assets / Assets | 0.06% | 0.05% | 0.06% | 0.09% | 0.07% | 0.08% | 0.05% | 0.03% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |