Tulsa, OK · Cert 35348
FDIC · 10 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, 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.
Tulsa, OK · Cert 35348
FDIC · 10 branches
Q3 2021
Market Position · Tulsa, OK · 2021 SOD (annual) · 1.5% share · #15 of 59 inst. · $0.6B of $37.4B
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.39% | 1.46% | 1.53% | 1.58% | 1.65% | 1.62% | 1.73% | +20 bps | |
| Return on Equity | 8.01% | 7.33% | 7.84% | 8.22% | 8.55% | 9.21% | 9.07% | 9.59% | +137 bps | |
| Net Interest Margin | 4.05% | 3.79% | 3.69% | 3.71% | 3.80% | 4.00% | 3.90% | 4.04% | +33 bps | |
| Efficiency Ratio | 47.55% | 49.98% | 47.77% | 46.56% | 45.72% | 45.15% | 45.80% | 44.55% | -200 bps | |
| Non-Interest Burden | 1.62% | 1.59% | 1.47% | 1.42% | 1.41% | 1.43% | 1.42% | 1.40% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.79% | 1.96% | 10.26% | 9.44% | 7.41% | 8.66% | -0.50% | -1.91% | -1,134 bps | |
| Loan Growth (YoY) | -3.03% | -2.51% | 3.40% | 5.46% | 5.02% | 4.74% | -3.90% | -1.47% | -693 bps | |
| Deposit Growth (YoY) | 3.00% | 1.63% | 15.06% | 11.99% | 8.07% | 11.92% | 0.34% | -3.29% | -1,529 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.68% | 0.59% | 0.50% | 0.39% | 0.28% | 0.37% | 0.12% | -38 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.00% | 0.00% | 0.01% | -0.02% | -0.02% | -0.02% | -1 bps | |
| Allowance / Loans | 1.63% | 1.63% | 1.54% | 1.55% | 1.58% | 1.61% | 1.65% | 1.60% | +5 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.4x | 2.6x | 3.1x | 4.0x | 5.8x | 4.5x | 13.8x | +10.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.99% | 12.01% | 11.65% | 11.83% | 11.34% | 11.35% | 11.21% | 11.35% | -48 bps | |
| Total Risk-Based Capital | 13.41% | 13.21% | 13.48% | 13.93% | 13.75% | 13.79% | 13.73% | 13.10% | -83 bps | |
| Equity / Assets | 18.96% | 19.04% | 17.84% | 18.50% | 18.05% | 17.84% | 17.87% | 18.34% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.24% | 109.99% | 105.63% | 108.49% | 105.19% | 102.93% | 101.17% | 110.54% | +205 bps | |
| Liquid Assets / Assets | 0.40% | 0.00% | 2.41% | 1.11% | 2.61% | 3.60% | 4.75% | 0.00% | -111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |