Tulsa, OK · Charter 60575
Q4 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.57% | 0.53% | 0.48% | 0.17% | 0.22% | 0.33% | 0.35% | -13 bps | |
| Return on Equity | 4.46% | 4.57% | 4.29% | 4.00% | 1.49% | 1.92% | 2.84% | 3.08% | -92 bps | |
| Net Interest Margin | 2.63% | 2.67% | 2.62% | 2.55% | 2.27% | 2.26% | 2.35% | 2.37% | -17 bps | |
| Efficiency Ratio | 79.86% | 79.60% | 79.09% | 80.27% | 89.00% | 87.61% | 84.87% | 83.33% | +307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | 2.36% | 6.54% | 7.56% | 9.94% | 12.80% | 9.95% | 8.74% | +118 bps | |
| Loan Growth (YoY) | 0.28% | 0.72% | -0.68% | 1.41% | -0.04% | -1.53% | -0.47% | 0.11% | -130 bps | |
| Share Growth (YoY) | 2.09% | 3.75% | 6.44% | 7.86% | 11.99% | 14.03% | 12.59% | 9.23% | +136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.60% | 0.44% | 0.67% | 0.60% | 0.52% | 0.42% | 0.19% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 0.91% | 0.86% | 0.80% | 0.77% | 0.73% | 0.65% | 0.62% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.29% | 12.47% | 12.28% | 12.08% | 11.55% | 11.36% | 11.50% | 11.46% | -62 bps | |
| Net Worth / Assets | 12.29% | 12.47% | 12.28% | 12.08% | 11.55% | 11.36% | 11.50% | 11.46% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.55% | 59.89% | 59.55% | 58.33% | 53.16% | 51.72% | 52.64% | 53.46% | -487 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |