Anadarko, OK · Cert 15354
FDIC · 3 branches
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 1.09% | 1.27% | 0.92% | 1.09% | +33 bps | |
| Return on Equity | 7.51% | 10.90% | 12.55% | 8.75% | 9.94% | +243 bps | |
| Net Interest Margin | 4.05% | 3.97% | 3.93% | 3.73% | 3.70% | -35 bps | |
| Efficiency Ratio | 83.17% | 75.66% | 73.67% | 78.02% | 73.80% | -937 bps | |
| Non-Interest Burden | 3.29% | 2.89% | 2.78% | 2.80% | 2.61% | -68 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.95% | 19.15% | 18.02% | 12.05% | 1.49% | -1,446 bps | |
| Loan Growth (YoY) | 20.93% | 15.87% | 15.88% | 2.01% | -4.67% | -2,559 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.06% | -0.12% | -0.10% | -0.07% | -0.11% | -17 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 10.34% | 10.78% | n/a | |
| Total Risk-Based Capital | 13.59% | 13.95% | 13.91% | 16.41% | 18.29% | +470 bps | |
| Equity / Assets | 9.97% | 9.96% | 10.29% | 10.76% | 11.10% | +114 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.29% | 77.49% | 80.13% | 76.35% | 77.16% | -513 bps | |
| Liquid Assets / Assets | 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 |