Anadarko, OK · Cert 15354
FDIC · 3 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Anadarko, OK · Cert 15354
FDIC · 3 branches
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.90% | 0.53% | 0.65% | 0.80% | 0.93% | 0.92% | 1.00% | +36 bps | |
| Return on Equity | 7.93% | 8.07% | 5.06% | 6.27% | 7.86% | 9.08% | 8.75% | 9.37% | +310 bps | |
| Net Interest Margin | 4.12% | 4.08% | 4.07% | 3.91% | 3.80% | 3.76% | 3.73% | 3.74% | -17 bps | |
| Efficiency Ratio | 74.09% | 75.96% | 87.53% | 85.29% | 82.01% | 79.87% | 78.02% | 75.94% | -935 bps | |
| Non-Interest Burden | 2.99% | 3.04% | 3.57% | 3.29% | 3.05% | 2.92% | 2.80% | 2.73% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.98% | 3.98% | 2.92% | 15.95% | 19.15% | 18.02% | 12.05% | 1.49% | -1,446 bps | |
| Loan Growth (YoY) | 19.58% | 22.13% | 14.08% | 20.93% | 15.87% | 15.88% | 2.01% | -4.67% | -2,559 bps | |
| Deposit Growth (YoY) | 5.09% | 5.00% | 3.90% | 12.81% | 17.23% | 15.49% | 8.47% | 1.67% | -1,114 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 | 0.01% | -0.02% | -0.10% | -0.02% | -0.05% | -0.06% | -0.07% | -0.09% | -7 bps | |
| Allowance / Loans | 1.51% | 1.52% | 1.47% | 1.38% | 1.43% | 1.39% | 1.50% | 1.55% | +17 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 | 10.34% | 10.78% | n/a | |
| Total Risk-Based Capital | 15.27% | 14.99% | 14.00% | 13.59% | 13.95% | 13.91% | 16.41% | 18.29% | +470 bps | |
| Equity / Assets | 10.89% | 10.76% | 10.29% | 9.97% | 9.96% | 10.29% | 10.76% | 11.10% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.40% | 79.86% | 81.18% | 82.29% | 77.49% | 80.13% | 76.35% | 77.16% | -513 bps | |
| Liquid Assets / Assets | 1.13% | 0.98% | 0.74% | 1.46% | 1.53% | 0.91% | 1.06% | 0.87% | -59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |