Nash, OK · Cert 4155
FDIC · 1 branch
Q4 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.38% | 0.22% | -0.17% | 0.30% | 0.24% | 0.33% | -0.18% | -1 bps | |
| Return on Equity | 6.17% | 5.50% | 3.15% | -2.29% | 3.99% | 3.11% | 4.20% | -2.24% | +5 bps | |
| Net Interest Margin | 2.11% | 2.06% | 1.87% | 1.91% | 2.22% | 2.22% | 2.06% | 1.94% | +3 bps | |
| Efficiency Ratio | 78.99% | 79.17% | 85.34% | 105.41% | 85.34% | 85.96% | 83.78% | 109.26% | +385 bps | |
| Non-Interest Burden | 1.60% | 1.57% | 1.55% | 2.03% | 1.86% | 1.87% | 1.68% | 2.16% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.41% | 19.04% | 7.11% | -0.59% | -6.02% | -10.44% | -3.58% | -12.47% | -1,187 bps | |
| Loan Growth (YoY) | 35.94% | 3.15% | -15.87% | -2.37% | 1.62% | -0.40% | 7.18% | -18.75% | -1,638 bps | |
| Deposit Growth (YoY) | 8.86% | 20.26% | 7.33% | -0.98% | -6.68% | -11.29% | -3.94% | -13.52% | -1,255 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.73% | +173 bps | |
| Allowance / Loans | 0.49% | 0.49% | 0.62% | 0.62% | 0.58% | 0.59% | 0.70% | 0.32% | -29 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 7.61% | 7.72% | 7.61% | 7.94% | n/a | |
| Total Risk-Based Capital | 15.41% | 15.28% | 17.93% | 16.17% | 21.06% | 16.15% | 17.80% | 18.89% | +272 bps | |
| Equity / Assets | 7.00% | 6.80% | 7.35% | 7.19% | 7.65% | 7.74% | 7.80% | 8.40% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 32.51% | 31.23% | 26.59% | 31.66% | 35.40% | 35.07% | 29.67% | 29.75% | -192 bps | |
| Liquid Assets / Assets | 57.67% | 57.12% | 57.71% | 49.05% | 53.18% | 50.13% | 53.63% | 53.60% | +455 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |