Newkirk, OK · Cert 4156
FDIC · 4 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Newkirk, OK · Cert 4156
FDIC · 4 branches
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.71% | 1.70% | 1.66% | 1.69% | 1.58% | 1.49% | 1.04% | -62 bps | |
| Return on Equity | 14.06% | 16.75% | 16.27% | 15.55% | 16.13% | 16.09% | 14.94% | 10.44% | -511 bps | |
| Net Interest Margin | 4.00% | 4.10% | 4.11% | 4.21% | 4.21% | 4.26% | 4.05% | 4.08% | -13 bps | |
| Efficiency Ratio | 52.80% | 44.80% | 49.55% | 48.99% | 49.86% | 49.42% | 50.25% | 48.88% | -11 bps | |
| Non-Interest Burden | 1.72% | 1.36% | 1.59% | 1.60% | 1.65% | 1.65% | 1.60% | 1.54% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.36% | 3.86% | 0.71% | 2.20% | -1.14% | -1.45% | -0.18% | 0.79% | -141 bps | |
| Loan Growth (YoY) | 6.24% | 10.24% | 14.12% | 10.42% | 4.84% | 1.22% | 0.05% | 1.52% | -891 bps | |
| Deposit Growth (YoY) | 9.91% | 3.42% | -0.93% | -0.33% | 1.03% | 1.13% | 2.27% | 5.33% | +566 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.02% | 0.83% | 2.47% | +247 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.05% | 0.09% | +9 bps | |
| Allowance / Loans | 1.52% | 1.47% | 1.43% | 1.43% | 1.52% | 1.58% | 1.53% | 2.03% | +60 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.5x | 1.9x | 0.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 10.32% | 10.63% | 11.10% | 9.44% | 10.05% | 10.22% | 9.76% | -134 bps | |
| Total Risk-Based Capital | 15.72% | 15.83% | 15.67% | 16.75% | 14.76% | 15.18% | 15.42% | 15.36% | -139 bps | |
| Equity / Assets | 10.07% | 10.38% | 10.85% | 11.37% | 9.72% | 9.97% | 10.23% | 9.92% | -145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.08% | 83.34% | 85.03% | 88.02% | 87.26% | 83.41% | 83.19% | 84.84% | -318 bps | |
| Liquid Assets / Assets | 0.10% | 0.00% | 0.01% | 0.25% | 0.00% | 2.20% | 0.52% | 0.91% | +66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |