Oklahoma City, OK · Charter 66070
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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 66070
Q2 2011
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.79% | -3.52% | -1.03% | -1.03% | -4.62% | -2.40% | -3.65% | -2.76% | -173 bps | |
| Return on Equity | -91.10% | -43.36% | -10.94% | -11.00% | -57.37% | -30.30% | -55.16% | -44.44% | -3,344 bps | |
| Net Interest Margin | 3.63% | 3.67% | 3.71% | 3.99% | 5.81% | 5.08% | 3.32% | 3.28% | -71 bps | |
| Efficiency Ratio | 110.82% | 121.38% | 91.04% | 95.72% | 116.26% | 112.09% | 142.61% | 142.73% | +4,701 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.54% | -9.60% | -7.80% | -10.93% | -16.62% | -13.74% | -13.05% | -9.92% | +101 bps | |
| Loan Growth (YoY) | -9.68% | -18.38% | -7.12% | 1.05% | 10.98% | 7.29% | -17.74% | -27.73% | -2,878 bps | |
| Share Growth (YoY) | 1.05% | -7.51% | -5.44% | -8.57% | -13.98% | -10.17% | -8.53% | -5.27% | +330 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.78% | 2.77% | 3.02% | 3.06% | 2.19% | 3.57% | 2.64% | 2.40% | -66 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 | 3.26% | 3.39% | 2.82% | 1.91% | 2.58% | 2.47% | 2.66% | 2.54% | +64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.46% | 8.12% | 9.41% | 9.35% | 8.06% | 7.93% | 6.62% | 6.20% | -315 bps | |
| Net Worth / Assets | 7.46% | 8.12% | 9.41% | 9.35% | 8.06% | 7.93% | 6.62% | 6.20% | -315 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.29% | 53.38% | 63.68% | 68.27% | 71.33% | 63.76% | 57.27% | 52.08% | -1,619 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |