Mangum, OK · Cert 9470
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Mangum, OK · Cert 9470
FDIC
Q2 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.59% | 0.66% | 0.76% | 0.82% | 0.76% | 0.70% | 0.84% | +8 bps | |
| Return on Equity | 7.91% | 8.12% | 8.02% | 8.97% | 9.50% | 8.64% | 7.64% | 9.29% | +32 bps | |
| Net Interest Margin | 4.92% | 4.82% | 4.78% | 5.38% | 5.53% | 5.55% | 5.12% | 5.07% | -31 bps | |
| Efficiency Ratio | 87.15% | 85.86% | 85.03% | 83.04% | 80.93% | 81.85% | 80.00% | 77.28% | -576 bps | |
| Non-Interest Burden | 4.15% | 3.99% | 3.87% | 4.25% | 4.23% | 4.32% | 3.86% | 3.66% | -59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.03% | 13.06% | 3.71% | -1.13% | -7.28% | -10.19% | -3.03% | 1.85% | +297 bps | |
| Loan Growth (YoY) | 30.81% | 25.23% | 7.67% | 1.68% | -5.57% | -16.26% | -6.40% | -7.89% | -957 bps | |
| Deposit Growth (YoY) | 5.19% | 3.15% | -0.96% | -2.74% | -1.91% | -3.01% | -1.84% | 6.03% | +877 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.28% | -0.05% | 0.10% | 0.09% | 0.14% | 0.07% | 0.05% | -5 bps | |
| Allowance / Loans | 0.53% | 0.50% | 0.57% | 0.51% | 0.56% | 0.61% | 0.67% | 0.74% | +22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.29% | 9.65% | 11.17% | 11.21% | 11.92% | 12.45% | 12.61% | 12.61% | +140 bps | |
| Equity / Assets | 7.92% | 7.87% | 8.72% | 8.90% | 9.27% | 9.22% | 9.19% | 8.66% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.37% | 107.50% | 98.79% | 98.47% | 99.51% | 92.81% | 94.21% | 85.54% | -1,293 bps | |
| Liquid Assets / Assets | 0.21% | 0.06% | 0.42% | 0.24% | 0.20% | 0.25% | 0.23% | 0.40% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |