Norman, OK · Cert 27286
FDIC · 5 branches
Q4 2019
Market Position · Oklahoma City, OK · 2019 SOD (annual) · 1.5% share · #14 of 72 inst. · $0.5B of $33.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | 1.27% | 1.28% | 1.41% | 1.13% | +112 bps | |
| Return on Equity | 0.14% | 12.34% | 11.44% | 12.32% | 10.30% | +1,017 bps | |
| Net Interest Margin | 4.17% | 4.11% | 4.12% | 4.06% | 4.06% | -11 bps | |
| Efficiency Ratio | 67.32% | 69.55% | 68.61% | 65.35% | 65.45% | -188 bps | |
| Non-Interest Burden | 2.40% | 2.56% | 2.48% | 2.21% | 2.30% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.90% | 1.31% | 4.64% | 5.22% | 25.41% | +2,151 bps | |
| Loan Growth (YoY) | 3.16% | -0.83% | -1.93% | -3.66% | -5.54% | -869 bps | |
| Deposit Growth (YoY) | 5.12% | 1.35% | 3.97% | 4.44% | 23.86% | +1,874 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.63% | 2.63% | 3.10% | 3.25% | 3.26% | +63 bps | |
| Net Charge-Offs / Loans | 1.08% | -0.07% | 0.03% | 0.24% | 0.33% | -75 bps | |
| Allowance / Loans | 1.76% | 1.84% | 1.90% | 1.92% | 1.98% | +22 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.6x | 0.6x | 0.6x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.86% | 10.43% | 10.62% | 10.58% | 11.67% | +181 bps | |
| Total Risk-Based Capital | 13.07% | 13.55% | 13.84% | 14.37% | 16.42% | +334 bps | |
| Equity / Assets | 9.95% | 10.61% | 11.74% | 11.21% | 10.84% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.27% | 78.79% | 77.45% | 72.63% | 60.46% | -1,881 bps | |
| Liquid Assets / Assets | 3.32% | 3.62% | 2.81% | 1.77% | 12.93% | +961 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |