Oklahoma City, OK · Charter 65572
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 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 · Charter 65572
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.64% | -4.15% | 1.12% | -58.27% | -42.05% | -33.64% | -0.04% | -116 bps | |
| Return on Equity | 2.49% | 3.58% | -27.95% | 7.27% | n/a | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 5.69% | 5.79% | 6.05% | 5.54% | 7.55% | 8.07% | 7.87% | 5.79% | +25 bps | |
| Efficiency Ratio | 51.80% | 53.33% | 55.46% | 56.65% | 61.14% | 73.22% | 79.44% | 100.64% | +4,399 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.76% | -5.07% | -11.12% | -13.35% | -32.76% | -37.43% | -35.98% | -35.74% | -2,239 bps | |
| Loan Growth (YoY) | -2.88% | -2.90% | -10.09% | -7.46% | -19.14% | -30.63% | -31.21% | -33.50% | -2,604 bps | |
| Share Growth (YoY) | -6.58% | -6.96% | -8.84% | -11.87% | -11.05% | -16.25% | -16.94% | -15.74% | -387 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.63% | 3.44% | 5.24% | 9.35% | 18.75% | 7.27% | 5.81% | 3.90% | -545 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 | 0.83% | 0.47% | 0.64% | 0.84% | 21.14% | 13.17% | 11.64% | 11.61% | +1,076 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.54% | 17.93% | 14.84% | 15.46% | -9.00% | -9.74% | -10.47% | -10.68% | -2,613 bps | |
| Net Worth / Assets | 17.54% | 17.93% | 14.84% | 15.46% | -9.00% | -9.74% | -10.47% | -10.68% | -2,613 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 117.06% | 115.46% | 113.85% | 116.18% | 106.42% | 95.64% | 94.29% | 91.70% | -2,448 bps | |
| Liquid Assets / Assets | 3.49% | 4.87% | 2.82% | 1.83% | 0.00% | 0.00% | 0.00% | 0.00% | -183 bps | |