Wilburton, OK · Cert 2332
FDIC · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Wilburton, OK · Cert 2332
FDIC · 2 branches
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.40% | 1.24% | 1.27% | 1.24% | 1.29% | 1.39% | 1.56% | +29 bps | |
| Return on Equity | 13.69% | 15.93% | 14.02% | 14.23% | 13.76% | 13.93% | 14.94% | 16.64% | +241 bps | |
| Net Interest Margin | 3.10% | 3.27% | 3.22% | 3.31% | 3.34% | 3.41% | 3.31% | 3.39% | +8 bps | |
| Efficiency Ratio | 69.55% | 64.32% | 67.74% | 67.40% | 68.37% | 68.18% | 65.18% | 62.23% | -517 bps | |
| Non-Interest Burden | 1.88% | 1.76% | 1.87% | 1.92% | 1.98% | 2.01% | 1.83% | 1.69% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.32% | 1.58% | -0.89% | -4.24% | -3.27% | -0.42% | -0.59% | -0.72% | +351 bps | |
| Loan Growth (YoY) | 0.09% | 4.64% | -1.24% | 7.94% | 10.49% | 5.16% | 2.09% | -5.02% | -1,296 bps | |
| Deposit Growth (YoY) | 4.50% | 1.36% | -1.14% | -4.95% | -3.81% | -0.88% | -1.07% | -1.03% | +392 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 | 0.40% | -0.96% | -0.58% | -0.20% | -0.08% | 0.87% | 0.41% | 0.22% | +42 bps | |
| Allowance / Loans | 2.11% | 2.36% | 2.50% | 2.21% | 2.20% | 2.09% | 2.27% | 2.30% | +9 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 | 7.95% | 7.91% | 8.13% | 8.16% | 8.42% | 8.14% | 8.50% | +37 bps | |
| Total Risk-Based Capital | 17.59% | 18.38% | 18.77% | 18.01% | 17.78% | 18.41% | 18.97% | 18.88% | +87 bps | |
| Equity / Assets | 8.67% | 8.92% | 8.96% | 9.23% | 9.15% | 9.32% | 9.45% | 9.58% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.71% | 44.87% | 45.08% | 50.63% | 50.21% | 47.61% | 46.52% | 48.59% | -204 bps | |
| Liquid Assets / Assets | 24.49% | 24.32% | 23.34% | 14.02% | 15.33% | 15.27% | 15.82% | 17.87% | +385 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |