Tulsa, OK · Charter 60974
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.67% | 0.23% | 0.37% | -0.01% | -0.10% | 0.53% | 0.84% | +47 bps | |
| Return on Equity | 0.81% | 5.74% | 3.21% | 2.57% | -0.11% | -0.71% | 3.52% | 4.72% | +215 bps | |
| Net Interest Margin | 5.66% | 5.06% | 3.19% | 6.20% | 4.99% | 6.16% | 6.83% | 7.69% | +149 bps | |
| Efficiency Ratio | 93.52% | 87.90% | 87.15% | 88.39% | 93.91% | 95.21% | 87.05% | 89.89% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | 13.02% | 79.59% | -9.35% | 14.16% | -20.58% | -50.11% | -14.83% | -548 bps | |
| Loan Growth (YoY) | -8.94% | -26.84% | -20.42% | -17.46% | 1.56% | 12.96% | 8.37% | 11.73% | +2,919 bps | |
| Share Growth (YoY) | -3.67% | 14.37% | 91.87% | -10.73% | 16.49% | -23.44% | -54.43% | -23.33% | -1,260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.37% | 0.06% | 0.00% | 0.24% | 0.11% | 0.00% | 0.00% | 0 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 | 2.34% | 2.74% | 2.90% | 3.08% | 2.70% | 2.80% | 3.07% | 2.67% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.33% | 11.63% | 7.31% | 14.38% | 11.98% | 14.77% | 15.08% | 17.72% | +334 bps | |
| Net Worth / Assets | 13.33% | 11.63% | 7.31% | 14.38% | 11.98% | 14.77% | 15.08% | 17.72% | +334 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.35% | 66.68% | 39.22% | 80.99% | 78.77% | 98.38% | 93.27% | 118.02% | +3,703 bps | |
| Liquid Assets / Assets | 21.62% | 40.83% | 63.41% | 30.53% | 30.62% | 16.60% | 19.10% | 6.83% | -2,369 bps | |