Fairland, OK · Cert 4096
FDIC · 1 branch
Q1 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.88% | 0.92% | 0.91% | 1.42% | +59 bps | |
| Return on Equity | 7.34% | 7.80% | 8.13% | 7.89% | 11.63% | +429 bps | |
| Net Interest Margin | 4.36% | 4.33% | 4.40% | 4.56% | 4.52% | +17 bps | |
| Efficiency Ratio | 84.35% | 82.76% | 82.31% | 82.59% | 73.61% | -1,074 bps | |
| Non-Interest Burden | 3.45% | 3.35% | 3.39% | 3.53% | 3.00% | -44 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.19% | -1.00% | -3.77% | -4.31% | -2.68% | +251 bps | |
| Loan Growth (YoY) | -4.76% | -3.22% | 1.00% | 0.33% | 10.48% | +1,524 bps | |
| Deposit Growth (YoY) | -5.92% | -1.19% | -4.62% | -5.19% | -5.84% | +8 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0 bps | |
| Allowance / Loans | 0.71% | 0.69% | 0.66% | 0.61% | 0.60% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.44% | 9.42% | 9.59% | 9.99% | 10.56% | +112 bps | |
| Total Risk-Based Capital | 19.68% | 20.61% | 20.06% | 19.51% | 21.37% | +169 bps | |
| Equity / Assets | 11.46% | 11.04% | 11.80% | 12.01% | 12.44% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.91% | 76.19% | 84.37% | 85.04% | 90.24% | +1,333 bps | |
| Liquid Assets / Assets | 23.14% | 20.48% | 17.75% | 15.06% | 15.15% | -799 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |