Lindsay, OK · Cert 4134
FDIC · 1 branch
Q3 2024
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.67% | 1.81% | 1.67% | 1.21% | 1.64% | 1.29% | -0.71% | -238 bps | |
| Return on Equity | 10.81% | 14.81% | 15.97% | 14.60% | 10.78% | 15.90% | 12.95% | -6.90% | -2,150 bps | |
| Net Interest Margin | 3.82% | 3.39% | 3.16% | 3.13% | 2.92% | 2.95% | 2.71% | 1.93% | -120 bps | |
| Efficiency Ratio | 50.39% | 50.44% | 48.35% | 50.49% | 59.01% | 44.09% | 54.00% | 126.59% | +7,610 bps | |
| Non-Interest Burden | 1.72% | 1.48% | 1.23% | 1.32% | 1.51% | 1.07% | 1.33% | 2.52% | +120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.91% | 13.47% | 16.12% | 10.25% | 8.35% | 13.43% | 11.24% | 17.16% | +692 bps | |
| Loan Growth (YoY) | 10.93% | 18.06% | 21.55% | 9.60% | 10.91% | 7.26% | 3.35% | -10.88% | -2,048 bps | |
| Deposit Growth (YoY) | 8.06% | 13.95% | 16.87% | 10.48% | 9.15% | 15.20% | 14.06% | 17.84% | +736 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.34% | 2.24% | 2.15% | 2.16% | 1.69% | 1.78% | 2.04% | 10.65% | +848 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.12% | 0.09% | -0.03% | -0.01% | 20.58% | +2,046 bps | |
| Allowance / Loans | 3.64% | 3.54% | 3.47% | 3.47% | 3.50% | 3.53% | 3.58% | -11.25% | -1,472 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.6x | 1.6x | 2.1x | 2.0x | 1.8x | -1.1x | -2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.43% | 11.75% | 11.91% | 12.30% | 10.67% | 10.99% | 9.48% | 9.96% | -234 bps | |
| Total Risk-Based Capital | 12.43% | 11.75% | 11.91% | 12.30% | 10.67% | 10.99% | 9.48% | 9.96% | -234 bps | |
| Equity / Assets | 11.15% | 11.35% | 11.56% | 11.71% | 10.47% | 10.13% | 9.25% | 11.14% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.48% | 86.79% | 87.41% | 86.33% | 85.85% | 80.80% | 79.20% | 65.29% | -2,104 bps | |
| Liquid Assets / Assets | 1.05% | 1.91% | 1.75% | 1.68% | 0.87% | 0.83% | 0.84% | 0.85% | -83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |