Pawnee, OK · Cert 4177
FDIC · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Pawnee, OK · Cert 4177
FDIC · 1 branch
Q4 2019
Market Position · Tulsa, OK · 2019 SOD (annual) · 0.2% share · #45 of 57 inst. · $0.0B of $26.6B
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.98% | 0.90% | 0.84% | 1.22% | 1.21% | 0.68% | 0.49% | -36 bps | |
| Return on Equity | 5.38% | 7.40% | 6.76% | 6.30% | 8.60% | 8.31% | 4.57% | 3.28% | -302 bps | |
| Net Interest Margin | 3.43% | 3.48% | 3.58% | 3.66% | 3.76% | 3.81% | 3.87% | 3.61% | -5 bps | |
| Efficiency Ratio | 81.17% | 75.25% | 77.38% | 76.54% | 72.70% | 72.65% | 75.35% | 80.47% | +392 bps | |
| Non-Interest Burden | 2.66% | 2.46% | 2.62% | 2.64% | 2.53% | 2.58% | 2.75% | 2.77% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.89% | -2.44% | -3.50% | -3.85% | -4.83% | -5.55% | -4.53% | -0.09% | +376 bps | |
| Loan Growth (YoY) | 8.24% | 8.17% | 11.14% | 10.55% | 1.36% | 0.67% | -3.35% | -9.66% | -2,021 bps | |
| Deposit Growth (YoY) | -5.17% | -7.47% | -8.55% | -2.31% | -2.01% | -2.61% | -1.39% | -1.14% | +118 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.78% | 2.27% | 1.51% | 2.50% | 2.35% | 2.19% | 2.70% | 10.62% | +812 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.16% | 0.10% | 0.10% | -0.14% | 0.22% | 0.62% | 0.34% | +24 bps | |
| Allowance / Loans | 1.62% | 1.59% | 1.62% | 1.61% | 1.71% | 1.59% | 2.02% | 2.32% | +71 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.7x | 1.1x | 0.6x | 0.7x | 0.7x | 0.7x | 0.2x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.78% | 13.72% | 14.10% | 14.55% | 14.64% | 14.64% | 14.79% | 14.63% | +7 bps | |
| Total Risk-Based Capital | 24.67% | 26.20% | 24.71% | 27.68% | 28.20% | 28.13% | 28.10% | 27.46% | -22 bps | |
| Equity / Assets | 12.98% | 13.11% | 13.23% | 13.96% | 14.48% | 15.38% | 15.49% | 14.83% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.12% | 51.30% | 53.00% | 51.79% | 50.81% | 53.03% | 51.95% | 47.33% | -446 bps | |
| Liquid Assets / Assets | 11.43% | 11.60% | 11.88% | 8.45% | 8.02% | 8.62% | 8.31% | 8.05% | -40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |