Tulsa, OK · Charter 68468
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Tulsa, OK · Charter 68468
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.52% | 0.49% | 0.53% | 0.53% | -8.23% | -7.45% | -7.59% | -812 bps | |
| Return on Equity | 2.84% | 7.77% | 7.40% | 7.97% | 7.61% | -185.12% | -272% | -691% | -69,932 bps | |
| Net Interest Margin | 4.36% | 4.22% | 4.33% | 4.28% | 4.53% | 5.59% | 5.89% | 5.82% | +153 bps | |
| Efficiency Ratio | 89.95% | 88.08% | 83.16% | 82.64% | 82.55% | 77.67% | 74.21% | 81.68% | -95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.08% | 15.06% | 11.85% | 9.80% | 8.65% | 8.80% | 6.85% | -0.31% | -1,010 bps | |
| Loan Growth (YoY) | 15.34% | 12.87% | 9.10% | 7.34% | 10.50% | 27.22% | 20.55% | 7.72% | +38 bps | |
| Share Growth (YoY) | 10.39% | 16.19% | 12.23% | 9.87% | 8.82% | 5.53% | 5.60% | 4.68% | -519 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.43% | 2.19% | 0.95% | 1.58% | 2.35% | 1.97% | 3.38% | 6.13% | +455 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 | 0.73% | 0.64% | 0.60% | 0.60% | 0.66% | 3.04% | 3.03% | 2.55% | +195 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.04% | 6.66% | 6.63% | 6.65% | 7.01% | 4.44% | 2.74% | 1.10% | -556 bps | |
| Net Worth / Assets | 7.04% | 6.66% | 6.63% | 6.65% | 7.01% | 4.44% | 2.74% | 1.10% | -556 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.99% | 83.37% | 80.18% | 81.15% | 88.33% | 100.50% | 91.53% | 83.51% | +236 bps | |
| Liquid Assets / Assets | 7.45% | 12.41% | 15.73% | 14.40% | 7.79% | 2.79% | 6.82% | 10.88% | -352 bps | |