Waukomis, OK · Cert 15694
FDIC · 1 branch
Q4 2014
Market Position · Oklahoma City, OK · 2014 SOD (annual) · 0.1% share · #64 of 68 inst. · $0.0B of $27.4B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.92% | 1.50% | 1.30% | 1.30% | 1.19% | 1.43% | 1.32% | +2 bps | |
| Return on Equity | 17.44% | 23.14% | 18.22% | 15.86% | 15.81% | 14.20% | 16.82% | 15.19% | -67 bps | |
| Net Interest Margin | 4.09% | 4.54% | 4.46% | 4.46% | 4.88% | 5.44% | 5.45% | 5.40% | +94 bps | |
| Efficiency Ratio | 74.84% | 70.80% | 75.27% | 77.09% | 73.27% | 75.91% | 74.12% | 76.38% | -72 bps | |
| Non-Interest Burden | 2.65% | 2.55% | 2.92% | 3.12% | 3.40% | 4.02% | 3.86% | 3.98% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.97% | 6.65% | 4.49% | 9.38% | -0.25% | -3.43% | -2.02% | -10.10% | -1,948 bps | |
| Loan Growth (YoY) | -14.87% | 0.80% | -1.50% | 9.46% | 23.27% | 15.14% | 16.35% | 10.37% | +92 bps | |
| Deposit Growth (YoY) | 6.25% | 7.41% | 4.62% | 10.09% | -0.66% | -3.97% | -2.75% | -11.55% | -2,163 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 | -0.03% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% | +22 bps | |
| Allowance / Loans | 0.92% | 0.85% | 0.88% | 0.88% | 0.88% | 0.89% | 0.89% | 0.67% | -21 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 | 13.35% | 12.62% | 12.76% | 12.28% | 12.44% | 12.19% | 12.67% | 12.70% | +42 bps | |
| Equity / Assets | 8.16% | 8.18% | 8.13% | 7.92% | 8.55% | 8.70% | 8.82% | 9.40% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.75% | 78.97% | 76.22% | 76.22% | 89.03% | 94.69% | 91.19% | 95.11% | +1,889 bps | |
| Liquid Assets / Assets | 0.74% | 0.73% | 0.82% | 0.35% | 0.38% | 0.46% | 0.44% | 0.46% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |