Wagoner, OK · Cert 2312
FDIC · 1 branch
Q1 2022
Market Position · Tulsa, OK · 2021 SOD (annual) · 0.1% share · #54 of 59 inst. · $0.0B of $37.4B
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.08% | 0.01% | -0.18% | -0.29% | 0.76%1 | -0.11% | -0.03% | +15 bps | |
| Return on Equity | 0.75% | 0.36% | 0.03% | -0.96% | -1.56% | 4.09% | -0.67% | -0.33% | +63 bps | |
| Net Interest Margin | 2.55% | 2.30% | 2.11% | 1.83% | 1.74% | 1.56% | 0.15% | 1.65% | -17 bps | |
| Efficiency Ratio | 94.59% | 97.30% | 99.77% | 108.29% | 112.97% | 129.50% | 146.58% | 95.58% | -1,271 bps | |
| Non-Interest Burden | 2.39% | 2.23% | 2.10% | 2.00% | 2.01% | 2.12% | 0.26% | 1.65% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.69% | 23.17% | 20.12% | 24.22% | 14.40% | 1.14% | 1.24% | -3.86% | -2,808 bps | |
| Loan Growth (YoY) | -7.61% | -17.20% | -11.45% | -17.91% | -18.43% | -14.99% | -21.80% | 299% | +31,669 bps | |
| Deposit Growth (YoY) | 19.11% | 30.24% | 26.13% | 31.44% | 18.53% | 0.80% | 11.46% | 5.58% | -2,586 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 | 0.00% | 0.00% | 0.05% | 0.00% | 0.06% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.44% | 1.53% | 1.48% | 1.65% | 1.68% | 1.74% | 0.00% | 0.00% | -165 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 | 20.85% | 19.77% | 18.65% | 18.11% | 17.53% | 18.33% | 8.91% | 8.61% | -950 bps | |
| Total Risk-Based Capital | 20.85% | 19.77% | 18.65% | 18.11% | 17.53% | 18.33% | 8.91% | 8.61% | -950 bps | |
| Equity / Assets | 20.71% | 18.73% | 19.15% | 18.22% | 17.90% | 19.04% | 10.92% | 9.88% | -834 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 17.34% | 14.44% | 14.87% | 12.59% | 11.94% | 12.17% | 10.44% | 47.54% | +3,496 bps | |
| Liquid Assets / Assets | 81.23% | 82.74% | 81.87% | 85.55% | 85.97% | 84.47% | 57.41% | 20.02% | -6,552 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |