Oklahoma City, OK · Charter 66282
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.56% | 0.62% | 0.65% | 0.66% | -1.25% | 0.59% | 0.70% | +4 bps | |
| Return on Equity | 6.66% | 5.74% | 6.52% | 7.08% | 7.42% | -15.39% | 7.08% | 8.62% | +153 bps | |
| Net Interest Margin | 2.55% | 2.41% | 2.47% | 2.47% | 2.26% | 2.35% | 2.37% | 2.46% | -1 bps | |
| Efficiency Ratio | 76.42% | 78.67% | 76.69% | 75.54% | 75.17% | 65.27% | 55.12% | 59.26% | -1,628 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 10.96% | 16.13% | 20.21% | 25.84% | 22.51% | 24.10% | 24.67% | +446 bps | |
| Loan Growth (YoY) | -0.51% | 5.37% | 2.85% | -1.46% | 4.86% | -4.76% | -6.62% | 1.72% | +317 bps | |
| Share Growth (YoY) | 3.83% | 11.12% | 17.89% | 22.35% | 29.06% | 25.63% | 25.23% | 25.56% | +321 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.15% | 0.18% | 0.45% | 1.48% | 1.08% | 0.32% | 1.64% | +119 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 | 2.92% | 2.79% | 2.77% | 2.76% | 2.69% | 2.43% | 2.41% | 2.18% | -58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.82% | 9.69% | 9.53% | 9.22% | 8.91% | 8.11% | 8.32% | 8.08% | -113 bps | |
| Net Worth / Assets | 9.82% | 9.69% | 9.53% | 9.22% | 8.91% | 8.11% | 8.32% | 8.08% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.67% | 54.92% | 52.35% | 48.33% | 46.86% | 41.64% | 39.04% | 39.15% | -918 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |