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FDIC Quarterly Banking Profile

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	Report Group 1	Report Group 2	Report Group 3
Institution Type:
Geographical Area:
Report Date:

State Banking Performance Summary

FDIC-Insured Institutions

	Commercial Banks Oklahoma June 30, 2008			Commercial Banks Oklahoma June 30, 2007			Commercial Banks Oklahoma June 30, 2006
(dollar figures in millions)	All Institutions	Assets less than $100 million	Assets greater than $100 million	All Institutions	Assets less than $100 million	Assets greater than $100 million	All Institutions	Assets less than $100 million	Assets greater than $100 million
Number of institutions reporting	252	133	119	255	143	112	265	159	106
Total employees (full-time equivalent)	18,754	2,467	16,287	18,179	2,738	15,441	17,732	3,154	14,578
AGGREGATE CONDITION AND INCOME DATA
Net income (year-to-date)	341	47	294	389	47	342	372	53	319
Total assets	62,970	6,598	56,373	56,878	6,981	49,897	53,431	7,685	45,746
Earning assets	55,927	6,032	49,895	51,682	6,385	45,297	48,192	7,012	41,180
Total loans & leases	39,768	3,806	35,962	36,230	4,058	32,172	33,458	4,502	28,956
Other real estate owned	103	13	89	47	11	36	61	12	49
Total deposits	47,050	5,613	41,437	42,971	5,912	37,059	39,790	6,444	33,346
Equity capital	5,475	715	4,760	5,066	751	4,316	4,662	800	3,862
PERFORMANCE RATIOS (YTD, %)
Yield on earning assets	6.39	6.87	6.34	7.28	7.38	7.26	6.82	6.91	6.81
Cost of funding earning assets	2.51	2.46	2.52	3.37	2.84	3.45	2.82	2.32	2.90
Net interest margin	3.88	4.41	3.82	3.91	4.54	3.82	4.01	4.59	3.91
Noninterest income to avg. earning assets	1.34	0.92	1.40	1.47	0.92	1.54	1.53	0.95	1.63
Noninterest expense to avg. earning assets	3.33	3.48	3.31	3.28	3.61	3.23	3.32	3.62	3.26
Net charge-offs to loans & leases	0.43	0.18	0.46	0.16	0.09	0.17	0.16	0.15	0.17
Credit-loss provision to net charge-offs	152.21	169.26	151.48	158.73	263.37	151.59	158.03	183.27	154.37
Net operating income to average assets	1.09	1.40	1.06	1.40	1.39	1.40	1.43	1.42	1.43
Retained earnings to average equity	4.44	5.44	4.29	-1.01	5.65	-2.15	7.70	5.81	8.10
Pre tax return on assets	1.32	1.56	1.29	1.72	1.53	1.75	1.83	1.57	1.87
Return on assets	1.12	1.44	1.08	1.38	1.38	1.38	1.42	1.41	1.42
Return on equity	12.41	12.99	12.32	15.23	12.75	15.65	16.13	13.47	16.69
Percent of unprofitable institutions	4.76	5.26	4.20	2.35	3.50	0.89	2.64	3.14	1.89
Percent of institutions with earning gains	56.75	61.65	51.26	58.82	53.15	66.07	66.79	61.64	74.53
CONDITION RATIOS (%)
Net loans and leases to assets	62.40	56.87	63.05	62.96	57.26	63.76	61.89	57.75	62.59
Loss allowance to:
Loans and leases	1.19	1.43	1.17	1.16	1.49	1.11	1.16	1.43	1.12
Noncurrent loans and leases	84.17	114.09	81.41	134.44	119.87	137.25	168.43	121.50	182.46
Noncurrent loans & leases to
total loans & leases	1.42	1.25	1.43	0.86	1.24	0.81	0.69	1.18	0.61
Nonperforming assets to assets	1.06	0.92	1.07	0.63	0.88	0.59	0.55	0.85	0.49
Core deposits to total liabilities	66.06	75.15	65.03	65.96	75.64	64.64	64.89	75.87	63.08
Equity capital to total assets	8.69	10.84	8.44	8.91	10.75	8.65	8.73	10.41	8.44
Core capital (leverage) ratio	8.57	10.98	8.28	8.83	11.11	8.51	8.97	10.90	8.64
Total capital to risk-weighted assets	12.73	17.93	12.23	13.37	18.05	12.82	13.28	17.67	12.66
Gross 1-4 family mortgages to gross assets	10.96	12.35	10.80	10.76	12.19	10.56	10.82	12.48	10.54


Source: Call Report and Thrift Financial Report Prepared by the FDIC-Division of Insurance and Research

Last Updated 08/27/2009

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