Enid, OK · Cert 28407
FDIC · 4 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Enid, OK · Cert 28407
FDIC · 4 branches
Q1 2018
Market Position · Enid, OK · 2017 SOD (annual) · 4.3% share · #6 of 14 inst. · $0.1B of $1.4B
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.38% | 0.46% | 0.37% | 0.00% | -61 bps | |
| Return on Equity | 36.71% | 22.35% | 25.80% | 20.34% | 0.00% | -3,671 bps | |
| Net Interest Margin | 3.89% | 3.68% | 3.66% | 3.70% | 3.93% | +3 bps | |
| Efficiency Ratio | 87.57% | 92.10% | 92.74% | 95.09% | 100.00% | +1,243 bps | |
| Non-Interest Burden | 3.37% | 3.37% | 3.37% | 3.50% | 3.93% | +55 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.39% | -8.72% | -8.23% | -5.83% | -8.52% | -14 bps | |
| Loan Growth (YoY) | 10.59% | 10.31% | 3.74% | 1.72% | 1.18% | -942 bps | |
| Deposit Growth (YoY) | -8.02% | -8.91% | -9.79% | -9.93% | -14.82% | -680 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 8.09% | 5.09% | 5.20% | 3.35% | 1.27% | -682 bps | |
| Net Charge-Offs / Loans | -0.20% | -0.14% | -0.28% | -0.27% | -0.75% | -55 bps | |
| Allowance / Loans | 2.37% | 2.29% | 2.29% | 2.31% | 2.53% | +16 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.4x | 0.7x | 2.0x | +1.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 4.26% | 4.38% | 4.62% | 4.69% | 4.82% | +57 bps | |
| Total Risk-Based Capital | 9.66% | 10.10% | 10.40% | 10.65% | 11.46% | +180 bps | |
| Equity / Assets | 1.74% | 1.83% | 2.00% | 1.94% | 1.82% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.28% | 71.93% | 73.36% | 76.10% | 79.91% | +1,263 bps | |
| Liquid Assets / Assets | 6.54% | 6.66% | 7.15% | 6.56% | 6.74% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |