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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 1.21% | 1.20% | 1.26% | 1.07% | -20 bps | |
| Return on Equity | 12.24% | 11.67% | 11.50% | 12.03% | 10.07% | -217 bps | |
| Net Interest Margin | 3.83% | 3.78% | 3.81% | 3.79% | 3.72% | -11 bps | |
| Efficiency Ratio | 60.80% | 62.51% | 62.20% | 61.17% | 68.34% | +754 bps | |
| Non-Interest Burden | 1.76% | 1.84% | 1.86% | 1.74% | 2.04% | +28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.66% | 7.27% | 9.25% | 9.99% | 4.64% | +98 bps | |
| Loan Growth (YoY) | 5.40% | 12.62% | 7.00% | 9.24% | 13.47% | +807 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.26% | 0.22% | 0.07% | -0.05% | -29 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 10.52% | 10.80% | 10.87% | n/a | |
| Total Risk-Based Capital | 15.05% | 14.07% | 14.25% | 14.33% | 14.82% | -23 bps | |
| Equity / Assets | 10.75% | 10.44% | 10.36% | 10.63% | 11.03% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.54% | 85.72% | 78.63% | 82.50% | 87.85% | +731 bps | |
| Liquid Assets / Assets | 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 |