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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.38% | 1.58% | 0.01% | 1.27% | 1.28% | 1.41% | 1.13% | +112 bps | |
| Return on Equity | 16.04% | 12.70% | 14.42% | 0.14% | 12.34% | 11.44% | 12.32% | 10.30% | +1,017 bps | |
| Net Interest Margin | 4.10% | 4.22% | 4.17% | 4.17% | 4.11% | 4.12% | 4.06% | 4.06% | -11 bps | |
| Efficiency Ratio | 67.70% | 65.19% | 62.62% | 67.32% | 69.55% | 68.61% | 65.35% | 65.45% | -188 bps | |
| Non-Interest Burden | 2.41% | 2.29% | 2.05% | 2.40% | 2.56% | 2.48% | 2.21% | 2.30% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.38% | 2.89% | 5.33% | 3.90% | 1.31% | 4.64% | 5.22% | 25.41% | +2,151 bps | |
| Loan Growth (YoY) | 7.36% | 4.06% | 1.53% | 3.16% | -0.83% | -1.93% | -3.66% | -5.54% | -869 bps | |
| Deposit Growth (YoY) | 6.26% | 2.45% | 5.23% | 5.12% | 1.35% | 3.97% | 4.44% | 23.86% | +1,874 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.92% | 3.84% | 3.94% | 2.63% | 2.63% | 3.10% | 3.25% | 3.26% | +63 bps | |
| Net Charge-Offs / Loans | 0.10% | -0.06% | -0.03% | 1.08% | -0.07% | 0.03% | 0.24% | 0.33% | -75 bps | |
| Allowance / Loans | 1.18% | 1.24% | 1.29% | 1.76% | 1.84% | 1.90% | 1.92% | 1.98% | +22 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.7x | 0.7x | 0.6x | 0.6x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.88% | 11.07% | 11.22% | 9.86% | 10.43% | 10.62% | 10.58% | 11.67% | +181 bps | |
| Total Risk-Based Capital | 13.45% | 13.97% | 14.42% | 13.07% | 13.55% | 13.84% | 14.37% | 16.42% | +334 bps | |
| Equity / Assets | 10.59% | 11.14% | 10.85% | 9.95% | 10.61% | 11.74% | 11.21% | 10.84% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.52% | 82.11% | 78.74% | 79.27% | 78.79% | 77.45% | 72.63% | 60.46% | -1,881 bps | |
| Liquid Assets / Assets | 6.63% | 3.69% | 6.61% | 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 | n/a | n/a | n/a |