Carney, OK · Cert 18263
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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 | 2.15%1 | 0.51% | -0.61% | 1.24% | -0.32% | 0.55% | -0.45% | +17 bps | |
| Return on Equity | 13.02% | 23.54% | 5.18% | -6.11% | 12.30% | -3.36% | 6.06% | -4.78% | +133 bps | |
| Net Interest Margin | 2.34% | 2.77% | 3.11% | 3.32% | 3.55% | 3.42% | 3.65% | 3.66% | +34 bps | |
| Efficiency Ratio | 100.74% | 90.57% | 85.63% | 102.11% | 79.23% | 108.33% | 83.08% | 100.00% | -211 bps | |
| Non-Interest Burden | 2.36% | 2.47% | 2.61% | 3.40% | 2.73% | 3.74% | 2.94% | 3.66% | +26 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% | 0.06% | 0.00% | 0.00% | 0.00% | -0.04% | 0.38% | 0.00% | 0 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 |