Tulsa, OK · Charter 783
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 783
Q3 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -0.90% | -0.79% | -0.79% | -0.71% | -0.26% | -0.51% | -1.52% | -73 bps | |
| Return on Equity | -0.83% | -6.82% | -6.02% | -5.96% | -5.27% | -2.02% | -3.94% | -12.63% | -666 bps | |
| Net Interest Margin | 3.11% | 2.67% | 2.67% | 2.75% | 2.81% | 2.51% | 2.54% | 2.49% | -26 bps | |
| Efficiency Ratio | 96.98% | 123.18% | 119.91% | 119.24% | 116.96% | 106.60% | 113.31% | 119.41% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.87% | 6.75% | 3.16% | -3.77% | -9.68% | -1.31% | -2.24% | 0.20% | +397 bps | |
| Loan Growth (YoY) | -8.95% | -19.02% | -19.41% | -15.52% | -16.08% | -8.34% | -7.87% | -5.33% | +1,018 bps | |
| Share Growth (YoY) | 15.18% | 9.59% | 5.07% | -3.31% | -10.15% | -0.84% | -1.85% | 1.39% | +471 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.01% | 3.58% | 1.99% | 1.23% | 0.87% | 1.01% | 2.19% | 2.30% | +106 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 | 0.91% | 0.98% | 0.78% | 0.61% | 0.78% | 0.86% | 0.91% | 2.59% | +198 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.84% | 13.16% | 13.16% | 13.30% | 13.45% | 12.81% | 12.92% | 12.03% | -127 bps | |
| Net Worth / Assets | 12.84% | 13.16% | 13.16% | 13.30% | 13.45% | 12.81% | 12.92% | 12.03% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.62% | 43.79% | 43.16% | 43.86% | 42.60% | 40.48% | 40.52% | 40.95% | -291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |