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09/30/2008
|
09/30/2007
|
12/31/2007
|
12/31/2006
|
12/31/2005
|
|
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Peer Group Information | |||||
NUMBER OF BANKS IN PEER GROUP |
12
|
11
|
12
|
11
|
10
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
0.82
|
0.97
|
0.89
|
0.92
|
0.88
|
NONINTEREST EXPENSE |
4.52
|
4.19
|
17.25
|
5.34
|
3.93
|
PROVISION LOAN & LEASE LOSSES |
0.28
|
0.16
|
0.14
|
0.13
|
0.06
|
REALIZED GAINS/LOSSES SEC |
0.02
|
-0.01
|
0.00
|
0.00
|
0.00
|
NET OPERATING INCOME |
0.11
|
0.80
|
-12.38
|
-0.44
|
1.09
|
NET INCOME |
0.11
|
0.80
|
-12.38
|
-0.44
|
1.09
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
89.05
|
89.54
|
87.94
|
88.34
|
90.95
|
NET INT INC-TE TO AVG EARNING ASSET |
4.70
|
4.91
|
4.87
|
4.85
|
4.81
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
0.20
|
0.02
|
0.07
|
0.09
|
0.12
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
1.18
|
1.17
|
1.02
|
1.06
|
1.28
|
NON-CUR LN & LS TO GROSS LN & LS |
1.09
|
0.47
|
0.58
|
0.65
|
0.82
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
12.67
|
10.73
|
-60.84
|
11.88
|
16.06
|
NET LOANS & LEASES TO ASSETS |
57.64
|
58.70
|
53.16
|
57.04
|
57.67
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
13.49
|
12.51
|
19.92
|
14.71
|
10.96
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
23.71
|
20.15
|
37.96
|
22.94
|
17.58
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
24.59
|
21.11
|
38.79
|
23.78
|
18.55
|
CASH DIVIDENDS TO NET INCOME |
90.35
|
52.64
|
51.14
|
51.12
|
49.36
|
Growth Rates | |||||
ASSETS |
17.10
|
12.74
|
13.07
|
6.73
|
6.95
|
TIER ONE CAPITAL |
3.58
|
3.34
|
3.73
|
3.91
|
3.97
|
NET LOANS & LEASES |
20.04
|
76.00
|
23.36
|
14.59
|
4.42
|
Bank Name |
RSSD
|
CERT
|
Assets
|
---|---|---|---|
BANK OF CHEROKEE COUNTY |
815754
|
2327
|
96,070
|
BANK 2 |
64552
|
11521
|
89,358
|
OKLAHOMA STATE BANK |
285759
|
15611
|
86,579
|
BANK OF COMMERCE |
322850
|
422
|
84,810
|
F&M BANK NA OK CITY OK |
1357466
|
27421
|
84,273
|
PEOPLES BANK OF SENECA |
2396592
|
34146
|
71,066
|
FORT GIBSON STATE BANK |
186856
|
21090
|
58,456
|
PEOPLES BANK |
539452
|
2320
|
47,210
|
FIRST STATE BANK OF PORTER |
521251
|
4180
|
34,715
|
ALLNATIONS BANK |
146056
|
4051
|
20,871
|
EAGLE BANK |
3346633
|
58282
|
17,552
|
TURTLE MOUNTAIN STATE BANK |
3626184
|
58586
|
7,099
|
TOTAL ASSETS |
-
|
-
|
698,059
|
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