Oklahoma City, OK · Charter 9074
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.00% | 1.93% | 1.43% | 2.13% | -10.86% | -17.51% | -16.97% | -12.00% | -1,413 bps | |
| Return on Equity | 23.13% | 15.48% | 10.75% | 16.37% | -79.25% | -436% | -734% | -116.64% | -13,301 bps | |
| Net Interest Margin | 8.82% | 7.25% | 7.38% | 8.28% | 3.82% | 8.04% | 7.89% | 10.07% | +179 bps | |
| Efficiency Ratio | 70.47% | 73.40% | 80.65% | 74.28% | 385% | 122.98% | 168.25% | 104.60% | +3,032 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.24% | 52.64% | 35.87% | 40.04% | 13.03% | 5.86% | 0.03% | -28.00% | -6,805 bps | |
| Loan Growth (YoY) | 123.46% | 121.08% | 118.12% | 68.60% | 22.93% | 7.07% | -25.65% | -52.68% | -12,128 bps | |
| Share Growth (YoY) | 35.87% | 63.57% | 40.39% | 28.22% | 5.41% | 15.76% | 13.91% | -14.15% | -4,237 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 8.62% | 51.90% | 13.88% | +1,388 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 | 6.08% | 5.48% | 4.41% | 4.95% | 2.24% | 3.25% | 31.59% | 11.72% | +677 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.98% | 12.46% | 13.28% | 13.01% | 13.71% | 4.02% | 2.31% | 10.29% | -272 bps | |
| Net Worth / Assets | 12.98% | 12.46% | 13.28% | 13.01% | 13.71% | 4.02% | 2.31% | 10.29% | -272 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.62% | 89.86% | 116.39% | 114.95% | 115.01% | 83.11% | 75.97% | 63.36% | -5,159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |