Laverne, OK · Cert 4130
FDIC · 1 branch
Q2 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.52% | 0.90% | 0.44% | 1.15% | 1.52% | 0 bps | |
| Return on Equity | 9.27% | 5.15% | 2.58% | 7.33% | 9.74% | +47 bps | |
| Net Interest Margin | 4.04% | 3.95% | 3.98% | 3.61% | 3.65% | -39 bps | |
| Efficiency Ratio | 60.67% | 75.67% | 105.30% | 65.99% | 61.66% | +99 bps | |
| Non-Interest Burden | 2.31% | 2.88% | 4.21% | 2.27% | 2.14% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.07% | -2.11% | 0.29% | -1.02% | 10.48% | +1,041 bps | |
| Loan Growth (YoY) | 3.65% | 1.53% | -10.48% | -9.11% | -8.72% | -1,237 bps | |
| Deposit Growth (YoY) | -1.12% | -4.11% | -0.53% | -0.28% | 11.68% | +1,280 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.97% | 1.99% | 2.30% | 1.92% | 1.78% | -19 bps | |
| Net Charge-Offs / Loans | 0.22% | -0.03% | -0.63% | 1.48% | -0.47% | -69 bps | |
| Allowance / Loans | 3.56% | 3.80% | 3.75% | 3.36% | 3.38% | -18 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.9x | 1.6x | 1.7x | 1.9x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.36% | 17.11% | 16.12% | 15.88% | 15.34% | -102 bps | |
| Total Risk-Based Capital | 27.40% | 27.66% | 26.86% | 15.88% | 15.34% | -1,206 bps | |
| Equity / Assets | 16.95% | 17.85% | 16.19% | 15.30% | 15.79% | -116 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.74% | 58.89% | 53.30% | 52.62% | 48.82% | -1,091 bps | |
| Liquid Assets / Assets | 11.22% | 9.53% | 7.46% | 15.77% | 10.04% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |