Canute, OK · Cert 17884
FDIC · 3 branches
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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.
Canute, OK · Cert 17884
FDIC · 3 branches
Q2 2021
Market Position · Oklahoma City, OK · 2021 SOD (annual) · 0.6% share · #27 of 71 inst. · $0.3B of $50.4B
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.84% | 0.78% | 0.85% | 0.84% | 0.91% | 1.25% | 1.21% | +36 bps | |
| Return on Equity | 9.13% | 8.95% | 8.36% | 9.35% | 9.45% | 10.28% | 14.22% | 13.67% | +431 bps | |
| Net Interest Margin | 3.45% | 3.27% | 3.29% | 3.04% | 3.07% | 3.08% | 3.48% | 3.52% | +48 bps | |
| Efficiency Ratio | 70.64% | 71.13% | 68.83% | 71.47% | 69.45% | 68.68% | 63.38% | 64.46% | -701 bps | |
| Non-Interest Burden | 2.12% | 1.98% | 1.86% | 1.78% | 1.68% | 1.63% | 1.48% | 1.69% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.66% | 5.96% | 7.15% | 13.84% | 17.91% | 15.62% | 15.23% | 5.23% | -861 bps | |
| Loan Growth (YoY) | 13.53% | 5.18% | 9.20% | 19.33% | 17.16% | 19.22% | 17.10% | 3.80% | -1,553 bps | |
| Deposit Growth (YoY) | 13.49% | 4.21% | 0.72% | 3.35% | 9.65% | 13.63% | 16.02% | 10.39% | +704 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.05% | 0.06% | 0.05% | 0.16% | 0.00% | 0.12% | +6 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.00% | 0.00% | 0.01% | 0.01% | 0.57% | 0.84% | +84 bps | |
| Allowance / Loans | 1.10% | 1.16% | 1.22% | 1.10% | 1.25% | 1.30% | 1.22% | 0.96% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 25.1x | 17.5x | 24.0x | 8.0x | n/a | 7.8x | -9.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.08% | 9.28% | 8.54% | 8.41% | 8.39% | 8.72% | 8.68% | +14 bps | |
| Total Risk-Based Capital | 11.36% | 11.42% | 11.52% | 8.54% | 8.41% | 8.39% | 8.72% | 8.68% | +14 bps | |
| Equity / Assets | 9.48% | 9.38% | 9.36% | 8.57% | 8.54% | 8.72% | 8.88% | 8.89% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.73% | 104.56% | 109.15% | 111.98% | 110.83% | 109.71% | 110.16% | 105.30% | -668 bps | |
| Liquid Assets / Assets | 4.50% | 7.69% | 5.66% | 5.68% | 6.34% | 5.61% | 5.06% | 7.50% | +182 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |