Edmond, OK · Cert 34377
FDIC · 9 branches
Q3 2015
Market Position · Oklahoma City, OK · 2015 SOD (annual) · 0.7% share · #27 of 70 inst. · $0.2B of $28.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.51% | 0.61% | 0.63% | 0.65% | 0.68% | 0.69% | 0.76% | -1.48% | -213 bps | |
| Return on Equity | -31.36% | 5.67% | 5.71% | 5.66% | 5.80% | 5.89% | 6.33% | -12.12% | -1,778 bps | |
| Net Interest Margin | 3.80% | 3.76% | 3.79% | 3.80% | 3.82% | 3.81% | 3.82% | 4.23% | +42 bps | |
| Efficiency Ratio | 75.61% | 75.19% | 76.99% | 78.16% | 76.90% | 76.43% | 75.57% | 131.95% | +5,379 bps | |
| Non-Interest Burden | 2.64% | 2.65% | 2.73% | 2.79% | 2.74% | 2.75% | 2.69% | 5.86% | +307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.25% | -3.74% | 0.73% | -4.22% | -1.31% | -2.09% | -2.51% | -4.09% | +13 bps | |
| Loan Growth (YoY) | -5.25% | 2.27% | -2.87% | -2.17% | -1.51% | -3.03% | -1.65% | -4.38% | -222 bps | |
| Deposit Growth (YoY) | -4.40% | -3.42% | 0.84% | -4.25% | -2.77% | -4.16% | -4.04% | -3.95% | +30 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 | 6.97% | -0.07% | 0.17% | -0.01% | 3.30% | -0.03% | -0.03% | 0.04% | +4 bps | |
| Allowance / Loans | 2.47% | 2.53% | 2.56% | 2.54% | 1.76% | 1.78% | 1.79% | 2.05% | -49 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 | n/a | n/a | n/a | n/a | 11.44% | 11.66% | 11.42% | n/a | |
| Total Risk-Based Capital | 13.79% | 13.67% | 13.40% | 15.19% | 14.82% | 15.35% | 16.32% | 16.71% | +152 bps | |
| Equity / Assets | 10.83% | 10.86% | 11.25% | 11.58% | 11.71% | 11.86% | 12.24% | 12.26% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.11% | 83.46% | 83.39% | 85.54% | 83.17% | 84.45% | 85.47% | 85.15% | -38 bps | |
| Liquid Assets / Assets | 0.49% | 1.33% | 0.99% | 1.55% | 0.99% | 1.43% | 6.49% | 7.33% | +578 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |