Broken Bow, OK · Cert 16419
FDIC · 4 branches
Q4 2019
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.51% | 2.54% | 2.61% | 2.58% | 2.84% | 2.92% | 3.02% | 2.68% | +10 bps | |
| Return on Equity | 25.78% | 26.00% | 26.44% | 25.66% | 26.46% | 26.74% | 27.03% | 24.20% | -146 bps | |
| Net Interest Margin | 3.97% | 3.96% | 4.03% | 4.07% | 4.23% | 4.23% | 4.34% | 4.35% | +28 bps | |
| Efficiency Ratio | 46.75% | 46.48% | 46.10% | 47.83% | 44.14% | 43.63% | 44.11% | 50.56% | +272 bps | |
| Non-Interest Burden | 1.41% | 1.38% | 1.37% | 1.48% | 1.34% | 1.32% | 1.31% | 1.67% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.06% | 8.88% | 5.73% | 2.97% | 4.53% | 3.10% | 2.63% | 4.64% | +167 bps | |
| Loan Growth (YoY) | 4.35% | 0.29% | 2.52% | 3.97% | 1.27% | 4.48% | 2.50% | 1.83% | -214 bps | |
| Deposit Growth (YoY) | 8.88% | 8.82% | 5.36% | 1.89% | 3.22% | 1.33% | 0.74% | 4.77% | +288 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.09% | 0.06% | 0.05% | 0.03% | 0.06% | 0.27% | 0.06% | +1 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.04% | 0.06% | 0.06% | 0.08% | 0.08% | 0.13% | +7 bps | |
| Allowance / Loans | 1.26% | 1.29% | 1.27% | 1.22% | 1.27% | 1.24% | 1.22% | 1.16% | -7 bps | |
| Allowance Coverage of NPLs | 11.6x | 14.8x | 20.7x | 22.8x | 41.2x | 22.1x | 4.5x | 18.3x | -4.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.08% | 10.20% | 10.56% | 10.77% | 11.02% | 11.06% | 11.53% | 10.42% | -35 bps | |
| Total Risk-Based Capital | 19.89% | 20.78% | 21.02% | 21.07% | 22.00% | 22.21% | 22.88% | 20.32% | -75 bps | |
| Equity / Assets | 9.68% | 9.80% | 10.20% | 10.69% | 10.77% | 11.35% | 11.87% | 10.68% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.27% | 63.72% | 66.94% | 69.01% | 64.04% | 65.71% | 68.11% | 67.07% | -194 bps | |
| Liquid Assets / Assets | 11.67% | 11.81% | 10.49% | 10.11% | 8.61% | 7.79% | 7.59% | 0.69% | -942 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |