Yukon, OK · Cert 23250
FDIC · 4 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Yukon, OK · Cert 23250
FDIC · 4 branches
Q3 2015
Market Position · Oklahoma City, OK · 2015 SOD (annual) · 0.6% share · #35 of 70 inst. · $0.2B of $28.9B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.14% | 1.27% | 1.27% | 1.21% | 1.20% | 1.26% | 1.07% | -20 bps | |
| Return on Equity | 11.08% | 11.40% | 12.38% | 12.24% | 11.67% | 11.50% | 12.03% | 10.07% | -217 bps | |
| Net Interest Margin | 3.93% | 3.94% | 3.90% | 3.83% | 3.78% | 3.81% | 3.79% | 3.72% | -11 bps | |
| Efficiency Ratio | 65.66% | 62.95% | 60.21% | 60.80% | 62.51% | 62.20% | 61.17% | 68.34% | +754 bps | |
| Non-Interest Burden | 2.06% | 2.07% | 1.83% | 1.76% | 1.84% | 1.86% | 1.74% | 2.04% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.56% | -0.32% | -2.41% | 3.66% | 7.27% | 9.25% | 9.99% | 4.64% | +98 bps | |
| Loan Growth (YoY) | 3.87% | 7.57% | 5.09% | 5.40% | 12.62% | 7.00% | 9.24% | 13.47% | +807 bps | |
| Deposit Growth (YoY) | 0.76% | -2.94% | -6.01% | 2.49% | 5.47% | 12.68% | 11.88% | 4.03% | +153 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 | 0.02% | 0.00% | 0.36% | 0.25% | 0.26% | 0.22% | 0.07% | -0.05% | -29 bps | |
| Allowance / Loans | 1.36% | 1.31% | 1.15% | 1.15% | 0.96% | 0.92% | 0.92% | 0.96% | -19 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 | 10.52% | 10.80% | 10.87% | n/a | |
| Total Risk-Based Capital | 14.61% | 14.39% | 14.77% | 15.05% | 14.07% | 14.25% | 14.33% | 14.82% | -23 bps | |
| Equity / Assets | 9.88% | 10.14% | 10.74% | 10.75% | 10.44% | 10.36% | 10.63% | 11.03% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.28% | 82.81% | 84.49% | 80.54% | 85.72% | 78.63% | 82.50% | 87.85% | +731 bps | |
| Liquid Assets / Assets | 2.78% | 1.68% | 1.66% | 1.79% | 1.54% | 1.67% | 1.93% | 12.27% | +1,048 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |