Guymon, OK · Cert 4107
FDIC · 1 branch
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.
Guymon, OK · Cert 4107
FDIC · 1 branch
Q2 2018
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 | 1.17% | 1.15% | 1.21% | 1.21% | 1.30% | 1.22% | 1.65% | 0.46% | -75 bps | |
| Return on Equity | 11.62% | 11.31% | 11.58% | 11.43% | 11.94% | 11.19% | 15.28% | 4.27% | -716 bps | |
| Net Interest Margin | 3.30% | 3.31% | 3.25% | 3.35% | 3.45% | 3.45% | 3.34% | 3.43% | +8 bps | |
| Efficiency Ratio | 68.99% | 69.36% | 66.81% | 67.24% | 65.58% | 69.11% | 56.44% | 57.84% | -940 bps | |
| Non-Interest Burden | 2.09% | 2.10% | 1.97% | 2.05% | 2.04% | 2.11% | 1.62% | 1.72% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.77% | -8.25% | -4.82% | -4.43% | -4.77% | -0.28% | -0.88% | 1.14% | +556 bps | |
| Loan Growth (YoY) | 1.40% | 1.82% | 3.70% | 2.54% | 0.71% | -0.55% | -3.76% | -1.67% | -421 bps | |
| Deposit Growth (YoY) | -8.09% | -8.69% | -4.48% | -4.08% | -4.54% | 1.20% | 0.85% | -0.61% | +347 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.02% | 0.05% | 0.29% | 0.08% | 0.18% | 0.32% | +27 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.17% | -0.03% | 0.00% | 0.14% | 0.14% | 0.21% | 0.10% | +10 bps | |
| Allowance / Loans | 1.02% | 1.01% | 1.03% | 1.05% | 1.00% | 1.03% | 1.02% | 1.03% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 63.7x | 21.3x | 3.5x | 12.9x | 5.7x | 3.2x | -18.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.57% | 10.78% | 10.56% | 10.87% | 11.35% | 11.46% | 11.04% | 10.81% | -6 bps | |
| Total Risk-Based Capital | 21.98% | 22.17% | 21.93% | 22.01% | 23.20% | 23.45% | 23.33% | 22.54% | +53 bps | |
| Equity / Assets | 10.97% | 10.45% | 10.47% | 10.94% | 11.71% | 10.91% | 10.69% | 10.70% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.30% | 57.94% | 58.21% | 60.51% | 63.62% | 56.94% | 55.55% | 59.86% | -65 bps | |
| Liquid Assets / Assets | 32.52% | 31.71% | 32.26% | 29.27% | 29.61% | 27.49% | 29.48% | 32.63% | +336 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |