Wilburton, OK · Cert 2332
FDIC · 2 branches
Q3 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.40% | 1.07% | 1.34% | 1.13% | 1.29% | 1.48% | 1.90% | +56 bps | |
| Return on Equity | 10.09% | 15.93% | 12.02% | 14.68% | 12.33% | 13.93% | 15.80% | 19.94% | +526 bps | |
| Net Interest Margin | 3.06% | 3.27% | 3.14% | 3.38% | 3.38% | 3.41% | 3.25% | 3.30% | -9 bps | |
| Efficiency Ratio | 75.68% | 64.32% | 71.30% | 66.71% | 71.28% | 68.18% | 62.06% | 56.70% | -1,002 bps | |
| Non-Interest Burden | 2.10% | 1.76% | 1.96% | 1.94% | 2.14% | 2.01% | 1.67% | 1.27% | -67 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 | 1.45% | -0.96% | -0.19% | 0.46% | 0.29% | 0.87% | -0.09% | -0.13% | -59 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 |