Tulsa, OK · Charter 555
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.34% | 3.64% | 3.86% | 4.08% | 3.52% | 0.52% | 0.40% | 0.42% | -366 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.17% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.80% | 4.66% | 4.58% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 87.43% | 88.03% | 88.09% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.00% | -2.92% | 1.09% | 5.76% | 11.00% | 12.82% | 15.30% | 14.55% | +880 bps | |
| Loan Growth (YoY) | -2.55% | -1.78% | -5.05% | 2.26% | 23.65% | 29.79% | 33.22% | 33.27% | +3,102 bps | |
| Share Growth (YoY) | -5.49% | -4.64% | -0.93% | 4.43% | 10.05% | 12.17% | 15.50% | 14.87% | +1,044 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 1.24% | 1.74% | 0.68% | 0.80% | 1.06% | 0.61% | 0.84% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 1.23% | 1.03% | 0.63% | 0.49% | 0.69% | 0.56% | 0.80% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.22% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.22% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.42% | 73.29% | 76.73% | 77.65% | 82.50% | 84.81% | 88.50% | 90.09% | +1,244 bps | |
| Liquid Assets / Assets | 21.44% | 28.03% | 20.06% | 17.21% | 16.01% | 3.40% | 9.51% | 7.41% | -980 bps | |