Bartlesville, OK · Cert 57616
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.47% | -1.39% | -1.01% | -0.62% | -0.39% | 0.61% | 0.96% | -0.57% | +5 bps | |
| Return on Equity | -20.23% | -10.72% | -8.65% | -5.76% | -3.79% | 7.24% | 11.35% | -6.00% | -24 bps | |
| Net Interest Margin | 1.16% | 2.67% | 2.46% | 2.50% | 2.54% | 3.36% | 3.46% | 0.82% | -169 bps | |
| Efficiency Ratio | 328% | 122.22% | 113.30% | 101.94% | 97.78% | 70.65% | 65.18% | 40.71% | -6,122 bps | |
| Non-Interest Burden | 3.95% | 3.31% | 2.80% | 2.55% | 2.49% | 2.34% | 2.22% | 0.20% | -236 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% | 0.53% | +53 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 |