Bartlesville, OK · Cert 57616
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.54% | -1.39% | -0.69% | 0.01% | 0.19% | 0.61% | 1.30% | -3.55% | -356 bps | |
| Return on Equity | -16.24% | -10.72% | -6.58% | 0.11% | 2.21% | 7.24% | 15.38% | -34.04% | -3,415 bps | |
| Net Interest Margin | 2.39% | 2.67% | 2.66% | 3.01% | 3.19% | 3.36% | 3.63% | -4.39% | -740 bps | |
| Efficiency Ratio | 166.24% | 122.22% | 105.60% | 84.79% | 88.57% | 70.65% | 60.19% | 45.80% | -3,899 bps | |
| Non-Interest Burden | 4.06% | 3.31% | 2.82% | 2.53% | 2.81% | 2.34% | 2.14% | -3.79% | -633 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 228% | 103.00% | 71.14% | 74.59% | 63.52% | 39.80% | 17.86% | 8.14% | -6,645 bps | |
| Loan Growth (YoY) | 2313% | 635% | 405% | 225% | 126.96% | 77.28% | 38.13% | 11.39% | -21,401 bps | |
| Deposit Growth (YoY) | 544% | 147.53% | 90.47% | 91.09% | 84.40% | 46.02% | 18.74% | 3.83% | -8,726 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.58% | +158 bps | |
| Allowance / Loans | 1.10% | 1.01% | 1.00% | 1.01% | 1.00% | 1.01% | 1.12% | 2.36% | +136 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 | 29.44% | 21.59% | 19.00% | 16.49% | 15.24% | 11.10% | 15.61% | 15.58% | -91 bps | |
| Equity / Assets | 14.64% | 11.52% | 9.71% | 8.65% | 8.48% | 8.31% | 8.62% | 12.18% | +353 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.73% | 74.13% | 74.69% | 77.65% | 82.13% | 90.00% | 86.89% | 83.31% | +566 bps | |
| Liquid Assets / Assets | 18.37% | 15.75% | 12.53% | 9.12% | 9.16% | 7.93% | 7.66% | 6.78% | -234 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |