Tulsa, OK · Cert 57289
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Tulsa, OK · Cert 57289
FDIC
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.25% | 1.10% | 1.24% | 1.38% | 1.45% | 1.37% | 1.49% | +25 bps | |
| Return on Equity | 12.99% | 12.89% | 11.65% | 13.13% | 14.61% | 15.65% | 15.18% | 16.16% | +303 bps | |
| Net Interest Margin | 4.08% | 3.76% | 4.02% | 3.92% | 3.94% | 3.82% | 3.82% | 3.86% | -6 bps | |
| Efficiency Ratio | 68.32% | 68.55% | 70.14% | 67.75% | 64.44% | 62.98% | 63.83% | 63.03% | -472 bps | |
| Non-Interest Burden | 2.63% | 2.42% | 2.71% | 2.54% | 2.42% | 2.27% | 2.32% | 2.32% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.62% | 7.61% | 20.52% | 15.95% | 16.14% | 20.67% | 14.23% | 9.09% | -686 bps | |
| Loan Growth (YoY) | 14.27% | 16.46% | 21.98% | 26.55% | 18.60% | 14.01% | 9.19% | 4.61% | -2,194 bps | |
| Deposit Growth (YoY) | 13.09% | 7.62% | 23.18% | 17.64% | 20.43% | 25.37% | 15.90% | 10.32% | -732 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 | 0.17% | 0.19% | -0.01% | 0.19% | 0.14% | 0.10% | 0.05% | 0.03% | -16 bps | |
| Allowance / Loans | 1.63% | 1.54% | 1.51% | 1.37% | 1.43% | 1.46% | 1.46% | 1.43% | +6 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 | 12.96% | 13.06% | 12.81% | 12.28% | 12.54% | 12.73% | 13.23% | 13.30% | +102 bps | |
| Equity / Assets | 9.87% | 9.51% | 9.45% | 9.36% | 9.39% | 8.77% | 9.27% | 9.64% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.66% | 97.45% | 96.45% | 99.83% | 97.16% | 88.62% | 90.86% | 94.67% | -516 bps | |
| Liquid Assets / Assets | 7.19% | 8.76% | 6.95% | 4.79% | 5.59% | 12.34% | 11.55% | 8.24% | +345 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |