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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.24% | 0.72% | 0.68% | 1.22% | 1.20% | -0.42% | -0.09% | -77 bps | |
| Return on Equity | 5.38% | 9.51% | 5.47% | 5.01% | 8.60% | 8.04% | -2.70% | -0.58% | -559 bps | |
| Net Interest Margin | 3.43% | 3.56% | 3.57% | 3.68% | 3.76% | 3.84% | 3.78% | 2.78% | -90 bps | |
| Efficiency Ratio | 81.17% | 69.51% | 81.68% | 74.06% | 72.70% | 72.61% | 80.98% | 100.99% | +2,693 bps | |
| Non-Interest Burden | 2.66% | 2.28% | 2.80% | 2.54% | 2.53% | 2.61% | 2.93% | 2.81% | +27 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% | 0.15% | -0.02% | 0.10% | -0.14% | 0.58% | 1.41% | -0.61% | -72 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 |