Carney, OK · Cert 18263
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Carney, OK · Cert 18263
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16%1 | 1.65%1 | 1.28%1 | 0.82%1 | 1.24% | 0.45% | 0.49% | 0.26% | -56 bps | |
| Return on Equity | 13.02% | 18.15% | 13.69% | 8.68% | 12.30% | 4.64% | 5.08% | 2.73% | -595 bps | |
| Net Interest Margin | 2.34% | 2.57% | 2.77% | 2.98% | 3.55% | 3.44% | 3.56% | 3.67% | +70 bps | |
| Efficiency Ratio | 100.74% | 95.25% | 91.68% | 94.69% | 79.23% | 93.66% | 89.96% | 92.51% | -218 bps | |
| Non-Interest Burden | 2.36% | 2.43% | 2.51% | 2.79% | 2.73% | 3.20% | 3.16% | 3.36% | +57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.55% | 5.80% | 0.00% | -7.09% | -5.91% | -3.52% | -6.94% | -3.36% | +373 bps | |
| Loan Growth (YoY) | -8.39% | 0.68% | -0.41% | 12.26% | 29.39% | 27.84% | 32.26% | 17.47% | +520 bps | |
| Deposit Growth (YoY) | 5.16% | 5.01% | 0.14% | -7.88% | -7.08% | -2.08% | -5.58% | -1.63% | +624 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 | -0.06% | 0.00% | 0.00% | 0.00% | 0.00% | -0.02% | 0.11% | 0.08% | +8 bps | |
| Allowance / Loans | 0.99% | 0.95% | 0.93% | 0.82% | 0.81% | 0.81% | 0.75% | 0.74% | -8 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 | 24.06% | 25.24% | 25.43% | 23.58% | 22.47% | 21.15% | 21.37% | 20.76% | -283 bps | |
| Equity / Assets | 8.69% | 9.54% | 9.98% | 10.15% | 9.95% | 8.88% | 9.45% | 9.26% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.94% | 38.73% | 40.85% | 49.34% | 52.83% | 50.57% | 57.22% | 58.92% | +958 bps | |
| Liquid Assets / Assets | 3.79% | 9.83% | 10.14% | 10.80% | 10.07% | 9.67% | 10.34% | 27.40% | +1,660 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |