Cushing, OK · Cert 4075
FDIC · 2 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Cushing, OK · Cert 4075
FDIC · 2 branches
Q4 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.39% | 1.42% | -0.09% | 2.13% | 1.64% | 1.34% | 1.07% | +116 bps | |
| Return on Equity | 7.79% | 10.53% | 10.76% | -0.63% | 10.40% | 7.85% | 6.38% | 5.08% | +570 bps | |
| Net Interest Margin | 4.08% | 4.13% | 4.53% | 0.52% | 4.66% | 4.67% | 3.99% | 3.71% | +318 bps | |
| Efficiency Ratio | 79.66% | 73.77% | 71.42% | 58.94% | 43.36% | 48.58% | 51.34% | 57.78% | -116 bps | |
| Non-Interest Burden | 3.09% | 2.78% | 2.97% | 0.26% | 1.40% | 1.64% | 1.56% | 1.72% | +147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.02% | -8.90% | -7.16% | 9.29% | 8.89% | 10.65% | 11.28% | -0.05% | -934 bps | |
| Loan Growth (YoY) | -7.34% | -3.75% | -0.27% | -2.51% | -6.15% | 6.01% | 0.88% | 13.35% | +1,586 bps | |
| Deposit Growth (YoY) | -5.91% | -8.85% | -4.91% | 5.27% | 0.10% | 1.46% | 2.55% | -2.35% | -762 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.36% | 1.15% | 0.59% | 1.60% | 1.55% | 0.74% | 0.60% | 0.01% | -159 bps | |
| Net Charge-Offs / Loans | -0.14% | -0.31% | -0.14% | -0.12% | -0.35% | 1.11% | 0.87% | 0.42% | +54 bps | |
| Allowance / Loans | 1.98% | 1.96% | 1.86% | 0.58% | 1.17% | 0.78% | 1.06% | 1.42% | +83 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.7x | 3.2x | 0.4x | 0.7x | 1.1x | 1.8x | 143.0x | +142.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.51% | 14.29% | 14.47% | 14.20% | 15.09% | 16.21% | 14.53% | 14.09% | -11 bps | |
| Total Risk-Based Capital | 20.64% | 20.67% | 21.99% | 28.28% | 26.61% | 27.12% | 26.21% | 25.73% | -255 bps | |
| Equity / Assets | 13.14% | 13.50% | 13.28% | 19.57% | 21.47% | 21.79% | 21.48% | 21.21% | +164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.40% | 40.81% | 42.46% | 37.64% | 37.88% | 42.64% | 41.77% | 43.69% | +605 bps | |
| Liquid Assets / Assets | 0.60% | 1.99% | 9.11% | 20.96% | 4.77% | 2.55% | 5.39% | 3.20% | -1,776 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |