Muskogee, OK · Cert 57183
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Muskogee, OK · Cert 57183
FDIC
Q2 2012
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 1.79% | 1.57% | 1.81% | 2.02% | 1.98% | 1.34% | 1.67% | -13 bps | |
| Return on Equity | 19.29% | 21.47% | 19.09% | 21.63% | 24.04% | 23.85% | 17.09% | 20.95% | -68 bps | |
| Net Interest Margin | 4.07% | 3.88% | 3.69% | 3.94% | 4.17% | 4.18% | 4.28% | 4.12% | +18 bps | |
| Efficiency Ratio | 62.64% | 61.46% | 63.65% | 60.76% | 58.67% | 59.39% | 71.00% | 68.80% | +804 bps | |
| Non-Interest Burden | 2.03% | 1.79% | 1.89% | 1.86% | 1.85% | 1.91% | 2.63% | 2.22% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.59% | 16.81% | 9.54% | 13.59% | 3.26% | 3.48% | 12.05% | 9.66% | -392 bps | |
| Loan Growth (YoY) | 3.07% | -2.78% | -0.08% | 5.05% | 10.24% | 14.59% | 12.94% | 11.51% | +646 bps | |
| Deposit Growth (YoY) | 11.09% | 22.00% | 10.40% | 15.44% | 3.95% | 4.37% | 14.39% | 11.06% | -438 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 | 0.19% | 0.16% | 0.01% | 0.01% | 0.03% | 0.04% | 0.03% | 0.08% | +7 bps | |
| Allowance / Loans | 1.27% | 1.39% | 1.39% | 1.41% | 1.43% | 1.50% | 1.53% | 1.53% | +12 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 | 11.54% | 11.57% | 12.12% | 11.71% | 11.19% | 11.13% | 10.91% | 10.92% | -79 bps | |
| Equity / Assets | 8.34% | 7.87% | 8.65% | 8.58% | 8.62% | 7.90% | 7.75% | 8.33% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.14% | 75.98% | 83.78% | 87.29% | 91.35% | 83.42% | 82.71% | 87.64% | +35 bps | |
| Liquid Assets / Assets | 7.58% | 4.53% | 0.92% | 3.12% | 0.92% | 9.48% | 9.62% | 8.38% | +526 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |