Tulsa, OK · Cert 57289
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.22% | 1.10% | 1.37% | 1.64% | 1.69% | 1.37% | 1.61% | +24 bps | |
| Return on Equity | 13.89% | 12.54% | 11.65% | 14.55% | 17.47% | 18.59% | 15.18% | 17.06% | +251 bps | |
| Net Interest Margin | 4.18% | 3.91% | 4.02% | 4.04% | 4.15% | 4.06% | 3.82% | 3.94% | -10 bps | |
| Efficiency Ratio | 64.66% | 69.17% | 70.14% | 65.50% | 58.31% | 59.01% | 63.83% | 62.26% | -324 bps | |
| Non-Interest Burden | 2.44% | 2.49% | 2.71% | 2.53% | 2.27% | 2.23% | 2.32% | 2.34% | -19 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 | 0.16% | 0.29% | -0.01% | 0.38% | 0.04% | 0.00% | 0.05% | 0.01% | -38 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 |