Chouteau, OK · Cert 19829
FDIC · 1 branch
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.58% | 0.46% | 0.46% | 0.52% | 0.76% | 0.72% | 0.64% | +18 bps | |
| Return on Equity | 10.36% | 6.52% | 5.28% | 5.29% | 6.00% | 9.56% | 9.07% | 7.88% | +259 bps | |
| Net Interest Margin | 3.95% | 3.67% | 3.43% | 3.34% | 3.34% | 3.25% | 3.31% | 3.29% | -5 bps | |
| Efficiency Ratio | 77.78% | 85.64% | 87.77% | 87.63% | 86.09% | 78.88% | 80.38% | 82.06% | -557 bps | |
| Non-Interest Burden | 2.94% | 3.07% | 2.96% | 2.87% | 2.81% | 2.47% | 2.57% | 2.61% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.08% | -5.06% | 4.26% | 7.11% | 10.21% | 15.04% | 8.98% | 5.89% | -122 bps | |
| Loan Growth (YoY) | -2.40% | -4.92% | -9.04% | -2.55% | 3.96% | 0.92% | 1.47% | 1.61% | +416 bps | |
| Deposit Growth (YoY) | -3.49% | -5.54% | 4.74% | 8.01% | 11.18% | 16.39% | 9.53% | 6.02% | -199 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.04% | 0.04% | 0.03% | 2.57% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Net Charge-Offs / Loans | 0.17% | -0.05% | 0.04% | 0.04% | 0.06% | -0.09% | -0.05% | -0.02% | -6 bps | |
| Allowance / Loans | 1.36% | 1.37% | 1.37% | 1.36% | 1.32% | 1.38% | 1.41% | 1.39% | +4 bps | |
| Allowance Coverage of NPLs | 11.4x | 33.4x | 33.1x | 46.6x | 0.5x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.00% | 8.76% | 8.48% | 8.36% | 8.25% | 7.92% | 7.93% | 8.32% | -4 bps | |
| Total Risk-Based Capital | 20.88% | 20.03% | 21.50% | 20.94% | 19.99% | 20.74% | 21.82% | 21.32% | +38 bps | |
| Equity / Assets | 9.04% | 8.70% | 8.50% | 8.50% | 8.26% | 7.67% | 8.05% | 8.37% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.03% | 47.10% | 45.39% | 46.10% | 45.84% | 40.85% | 42.05% | 44.18% | -192 bps | |
| Liquid Assets / Assets | 39.36% | 33.53% | 49.60% | 48.96% | 48.77% | 52.48% | 53.88% | 52.78% | +382 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |