Laverne, OK · Cert 4130
FDIC · 1 branch
Q2 2020
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.00% | 1.52% | 1.53% | 1.32% | 1.10% | 1.15% | 1.33% | -20 bps | |
| Return on Equity | 7.02% | 6.27% | 9.65% | 9.45% | 7.99% | 6.66% | 7.33% | 8.44% | -101 bps | |
| Net Interest Margin | 3.82% | 3.88% | 3.98% | 4.02% | 4.08% | 4.06% | 3.61% | 3.53% | -49 bps | |
| Efficiency Ratio | 68.67% | 72.53% | 58.14% | 59.42% | 64.76% | 74.62% | 65.99% | 63.76% | +434 bps | |
| Non-Interest Burden | 2.50% | 2.71% | 2.18% | 2.25% | 2.51% | 2.94% | 2.27% | 2.14% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.80% | 0.13% | 1.10% | 0.07% | -2.11% | 0.29% | -1.02% | 10.48% | +1,041 bps | |
| Loan Growth (YoY) | -15.60% | -0.92% | 2.25% | 3.65% | 1.53% | -10.48% | -9.11% | -8.72% | -1,237 bps | |
| Deposit Growth (YoY) | 1.72% | 0.17% | 0.84% | -1.12% | -4.11% | -0.53% | -0.28% | 11.68% | +1,280 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.56% | 2.30% | 2.29% | 1.97% | 1.99% | 2.30% | 1.92% | 1.78% | -19 bps | |
| Net Charge-Offs / Loans | 0.37% | 0.26% | -0.15% | 0.03% | 0.01% | -0.15% | 1.48% | 0.51% | +48 bps | |
| Allowance / Loans | 3.88% | 3.52% | 3.58% | 3.56% | 3.80% | 3.75% | 3.36% | 3.38% | -18 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.6x | 1.8x | 1.9x | 1.6x | 1.7x | 1.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.44% | 15.89% | 15.92% | 16.36% | 17.11% | 16.12% | 15.88% | 15.34% | -102 bps | |
| Total Risk-Based Capital | 28.56% | 25.95% | 26.51% | 27.40% | 27.66% | 26.86% | 15.88% | 15.34% | -1,206 bps | |
| Equity / Assets | 16.47% | 15.69% | 15.83% | 16.95% | 17.85% | 16.19% | 15.30% | 15.79% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.62% | 59.22% | 57.73% | 59.74% | 58.89% | 53.30% | 52.62% | 48.82% | -1,091 bps | |
| Liquid Assets / Assets | 13.38% | 11.03% | 10.76% | 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 | n/a | n/a | n/a |