Weleetka, OK · Cert 4225
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 2.03% | 3.90% | 2.01% | 1.24% | 1.77% | 1.83% | 1.94% | -7 bps | |
| Return on Equity | 22.52% | 27.44% | 53.63% | 28.54% | 17.14% | 23.83% | 23.44% | 24.09% | -445 bps | |
| Net Interest Margin | 5.56% | 5.91% | 6.00% | 5.47% | 5.42% | 5.26% | 5.64% | 5.90% | +43 bps | |
| Efficiency Ratio | 60.90% | 51.27% | 36.49% | 54.94% | 71.68% | 55.06% | 56.41% | 58.40% | +346 bps | |
| Non-Interest Burden | 2.79% | 2.30% | -0.55% | 2.49% | 3.59% | 2.43% | 2.68% | 2.91% | +42 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% | -0.11% | 0.23% | 0.05% | 0.51% | 0.05% | 0.00% | 0.13% | +7 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 |