Oklahoma City, OK · Cert 34988
FDIC
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 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.
Oklahoma City, OK · Cert 34988
FDIC
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 8.42% | 8.02% | 2.62% | 2.20% | 3.45% | 4.00% | 7.03% | 7.58% | +538 bps | |
| Return on Equity | 9.78% | 9.33% | 3.03% | 2.53% | 4.00% | 4.65% | 7.92% | 8.45% | +592 bps | |
| Net Interest Margin | 1.45% | 1.47% | 1.40% | 1.55% | 1.46% | 1.40% | 1.45% | 1.54% | -1 bps | |
| Efficiency Ratio | 82.17% | 82.98% | 94.07% | 95.06% | 92.18% | 90.68% | 84.37% | 83.25% | -1,181 bps | |
| Non-Interest Burden | -11.82% | -10.92% | -2.90% | -2.07% | -4.17% | -5.14% | -10.18% | -11.20% | -913 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.16% | 12.12% | 7.58% | 4.35% | 3.30% | 6.36% | -1.18% | 2.31% | -205 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 83.93% | 83.56% | 85.14% | 86.07% | 84.95% | 84.35% | 88.30% | 92.81% | +674 bps | |
| Total Risk-Based Capital | 103.50% | 113.10% | 116.73% | 115.86% | 100.19% | 98.93% | 111.51% | 108.49% | -738 bps | |
| Equity / Assets | 83.30% | 85.50% | 87.73% | 87.34% | 85.10% | 84.36% | 93.52% | 91.36% | +402 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |