Oklahoma City, OK · Cert 58058
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Oklahoma City, OK · Cert 58058
FDIC
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 1.56% | 1.53% | 1.77% | 1.84% | 1.70% | 1.67% | 1.65% | -12 bps | |
| Return on Equity | n/a | 9.75% | 9.28% | 10.43% | 10.69% | 9.80% | 9.92% | 9.88% | -55 bps | |
| Net Interest Margin | 2.18% | 4.37% | 4.62% | 4.63% | 4.67% | 4.51% | 4.42% | 4.30% | -33 bps | |
| Efficiency Ratio | 47.93% | 44.23% | 45.56% | 45.20% | 45.51% | 51.52% | 52.26% | 53.28% | +807 bps | |
| Non-Interest Burden | 1.25% | 2.30% | 2.50% | 2.48% | 2.52% | 2.76% | 2.75% | 2.72% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -3.75% | -3.88% | -6.89% | -3.61% | 4.86% | 2.41% | +629 bps | |
| Loan Growth (YoY) | n/a | n/a | 1.57% | -2.54% | -4.28% | -1.50% | 5.12% | 0.32% | +286 bps | |
| Deposit Growth (YoY) | n/a | n/a | -8.74% | -0.87% | 3.70% | 2.33% | 11.54% | 2.58% | +344 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 | -0.12% | -0.04% | -0.03% | 0.00% | -0.01% | -0.01% | -0.01% | -0.02% | -2 bps | |
| Allowance / Loans | 0.56% | 0.76% | 0.95% | 0.95% | 0.92% | 0.95% | 0.92% | 0.97% | +2 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 | 10.85% | 12.24% | 13.12% | 13.99% | 14.05% | 11.82% | 11.00% | 11.96% | -203 bps | |
| Equity / Assets | 15.22% | 16.74% | 17.77% | 18.26% | 18.19% | 16.58% | 15.62% | 16.32% | -194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.65% | 111.24% | 111.25% | 106.64% | 110.45% | 107.07% | 104.85% | 104.29% | -235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |