Ponca City, OK · Charter 7388
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.
Ponca City, OK · Charter 7388
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 | 0.31% | 0.33% | 0.19% | 0.20% | 0.17% | 0.00% | -0.52% | -0.35% | -55 bps | |
| Return on Equity | 2.33% | 2.45% | 1.40% | 1.51% | 1.29% | 0.00% | -4.14% | -2.76% | -427 bps | |
| Net Interest Margin | 3.20% | 3.13% | 3.12% | 3.03% | 2.94% | 2.74% | 2.69% | 2.73% | -29 bps | |
| Efficiency Ratio | 88.40% | 89.61% | 90.96% | 91.30% | 92.65% | 92.70% | 93.12% | 92.00% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.20% | 13.37% | 11.90% | 8.90% | 2.86% | 4.89% | 4.93% | 2.86% | -604 bps | |
| Loan Growth (YoY) | -4.91% | -14.81% | -11.79% | -14.47% | -17.67% | -12.49% | -13.74% | -18.90% | -443 bps | |
| Share Growth (YoY) | 23.65% | 15.57% | 13.98% | 10.47% | 3.37% | 5.80% | 6.08% | 3.73% | -674 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.60% | 5.05% | 6.39% | 6.36% | 7.32% | 7.04% | 7.56% | 8.10% | +174 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 | 0.49% | 0.53% | 0.67% | 0.69% | 0.74% | 0.88% | 0.92% | 1.25% | +56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.39% | 13.58% | 13.40% | 13.40% | 13.19% | 13.03% | 12.59% | 12.78% | -61 bps | |
| Net Worth / Assets | 13.39% | 13.58% | 13.40% | 13.40% | 13.19% | 13.03% | 12.59% | 12.78% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.64% | 48.99% | 46.42% | 44.65% | 41.13% | 40.52% | 37.74% | 34.91% | -974 bps | |
| Liquid Assets / Assets | 49.76% | 52.03% | 58.27% | 59.87% | 54.46% | 63.21% | 61.43% | 50.20% | -967 bps | |