Broken Arrow, OK · Cert 34098
FDIC · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Broken Arrow, OK · Cert 34098
FDIC · 1 branch
Q3 2017
Market Position · Tulsa, OK · 2017 SOD (annual) · 1.1% share · #18 of 58 inst. · $0.3B of $26.0B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.83% | 1.67% | 2.09% | 2.12% | 2.19% | 2.11% | 2.29% | 2.40% | +28 bps | |
| Return on Equity | 15.86% | 14.40% | 18.68% | 19.16% | 19.86% | 19.16% | 21.49% | 22.17% | +301 bps | |
| Net Interest Margin | 3.78% | 3.95% | 3.76% | 3.67% | 3.55% | 3.91% | 3.83% | 3.87% | +20 bps | |
| Efficiency Ratio | 47.47% | 45.65% | 40.91% | 39.76% | 38.98% | 40.61% | 37.14% | 37.13% | -262 bps | |
| Non-Interest Burden | 1.67% | 1.71% | 1.32% | 1.29% | 1.24% | 1.50% | 1.33% | 1.34% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 46.72% | 41.26% | 28.12% | 35.91% | 36.81% | 19.85% | 24.36% | 11.86% | -2,405 bps | |
| Loan Growth (YoY) | 39.37% | 41.87% | 24.70% | 36.49% | 41.30% | 15.24% | 31.39% | 13.94% | -2,255 bps | |
| Deposit Growth (YoY) | 46.47% | 49.65% | 42.62% | 33.80% | 42.48% | 23.88% | 16.91% | 18.39% | -1,540 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.39% | 0.26% | 0.27% | +27 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.02% | 0.01% | 0.00% | 0.13% | 0.09% | +7 bps | |
| Allowance / Loans | 1.49% | 1.25% | 1.33% | 1.31% | 1.42% | 1.40% | 1.23% | 1.31% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 3.6x | 4.6x | 4.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.59% | 10.98% | 10.04% | 10.25% | 10.03% | 10.39% | 9.69% | 10.27% | +2 bps | |
| Total Risk-Based Capital | 12.33% | 11.04% | 11.30% | 11.28% | 11.86% | 11.63% | 10.64% | 11.72% | +44 bps | |
| Equity / Assets | 12.55% | 10.76% | 10.44% | 10.74% | 11.06% | 10.96% | 10.07% | 11.23% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.91% | 113.84% | 101.04% | 115.72% | 101.06% | 105.90% | 113.55% | 111.37% | -436 bps | |
| Liquid Assets / Assets | 1.25% | 0.65% | 0.62% | 0.63% | 0.66% | 1.13% | 0.75% | 1.47% | +84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |