Newkirk, OK · Cert 4156
FDIC · 4 branches
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.71% | 1.68% | 1.57% | 1.78% | 1.58% | 1.40% | 0.15% | -142 bps | |
| Return on Equity | 13.07% | 16.75% | 15.81% | 14.13% | 16.87% | 16.09% | 13.84% | 1.45% | -1,268 bps | |
| Net Interest Margin | 4.05% | 4.10% | 4.18% | 4.35% | 4.30% | 4.26% | 3.94% | 4.20% | -15 bps | |
| Efficiency Ratio | 56.31% | 44.80% | 54.10% | 47.93% | 52.40% | 49.42% | 51.10% | 46.27% | -166 bps | |
| Non-Interest Burden | 1.91% | 1.36% | 1.84% | 1.59% | 1.82% | 1.65% | 1.58% | 1.45% | -14 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 | -0.02% | -0.02% | 0.00% | 0.01% | 0.00% | 0.00% | 0.10% | 0.17% | +16 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 |