Chandler, OK · Cert 4056
FDIC · 2 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 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.
Chandler, OK · Cert 4056
FDIC · 2 branches
Q2 2018
Market Position · Oklahoma City, OK · 2018 SOD (annual) · 0.2% share · #49 of 71 inst. · $0.1B of $30.8B
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.37% | 3.31% | 3.58% | 3.27% | 3.26% | 2.77% | 2.42% | 2.21% | -107 bps | |
| Return on Equity | 29.71% | 29.01% | 30.56% | 27.81% | 27.38% | 23.06% | 16.43% | 14.10% | -1,370 bps | |
| Net Interest Margin | 5.10% | 4.94% | 5.28% | 4.97% | 4.96% | 4.99% | 4.78% | 5.11% | +14 bps | |
| Efficiency Ratio | 38.07% | 38.96% | 37.28% | 39.70% | 39.49% | 48.49% | 30.17% | 34.82% | -488 bps | |
| Non-Interest Burden | 1.74% | 1.72% | 1.71% | 1.72% | 1.69% | 2.21% | 1.33% | 1.64% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.14% | 3.85% | 2.38% | 4.00% | -1.68% | -2.45% | 1.08% | 1.69% | -231 bps | |
| Loan Growth (YoY) | -8.92% | -1.03% | -5.38% | -2.41% | -1.28% | -11.77% | -27.37% | -32.15% | -2,974 bps | |
| Deposit Growth (YoY) | 2.51% | 3.74% | 1.58% | 3.48% | -2.92% | -3.47% | -5.24% | -4.73% | -822 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.55% | 0.70% | 0.47% | 0.53% | 1.16% | 1.60% | +89 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.05% | -0.06% | -0.01% | -0.02% | -0.02% | 0.08% | 0.06% | +7 bps | |
| Allowance / Loans | 1.82% | 1.70% | 1.76% | 1.72% | 1.80% | 1.93% | 0.00% | 0.00% | -172 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 3.2x | 2.4x | 3.8x | 3.6x | 0.0x | 0.0x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.56% | 11.46% | 11.83% | 11.91% | 12.25% | 12.18% | 8.21% | 9.26% | -265 bps | |
| Total Risk-Based Capital | 14.43% | 14.90% | 15.32% | 15.33% | 16.14% | 16.62% | 11.45% | 12.74% | -259 bps | |
| Equity / Assets | 11.21% | 11.68% | 11.71% | 11.93% | 12.27% | 12.40% | 16.97% | 17.44% | +551 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.20% | 106.35% | 101.49% | 104.09% | 100.88% | 97.21% | 77.79% | 74.13% | -2,996 bps | |
| 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 |