Porter, OK · Cert 4180
FDIC · 3 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Porter, OK · Cert 4180
FDIC · 3 branches
Q1 2015
Market Position · Tulsa, OK · 2014 SOD (annual) · 0.1% share · #56 of 59 inst. · $0.0B of $23.3B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.78% | 2.93% | 2.81% | 2.16% | 2.00% | 2.06% | 2.17% | 2.31% | +14 bps | |
| Return on Equity | 17.10% | 17.75% | 17.32% | 14.57% | 13.70% | 14.02% | 14.54% | 14.89% | +32 bps | |
| Net Interest Margin | 5.99% | 6.30% | 6.37% | 5.87% | 5.84% | 5.78% | 5.98% | 5.89% | +2 bps | |
| Efficiency Ratio | 58.54% | 57.92% | 59.69% | 67.42% | 68.95% | 69.75% | 68.76% | 66.61% | -81 bps | |
| Non-Interest Burden | 3.08% | 3.14% | 3.32% | 3.64% | 3.76% | 3.71% | 3.76% | 3.52% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.57% | -4.79% | -1.47% | 0.31% | 1.83% | 2.68% | 3.05% | -1.68% | -200 bps | |
| Loan Growth (YoY) | -4.42% | -5.08% | -7.50% | -1.29% | -3.01% | -3.93% | 3.34% | -0.04% | +126 bps | |
| Deposit Growth (YoY) | -3.78% | -8.06% | 2.99% | 1.88% | 4.04% | 5.52% | 2.41% | -1.76% | -364 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 | 0.11% | -0.03% | -0.02% | -0.01% | -0.04% | -0.03% | -0.03% | -0.03% | -1 bps | |
| Allowance / Loans | 1.08% | 1.27% | 1.33% | 1.31% | 1.38% | 1.45% | 1.41% | 1.43% | +12 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 | n/a | n/a | n/a | 15.28% | n/a | n/a |
| Total Risk-Based Capital | 23.30% | 24.97% | 22.01% | 21.24% | 20.32% | 22.28% | 22.23% | 20.35% | -89 bps | |
| Equity / Assets | 15.95% | 17.50% | 15.07% | 14.61% | 14.08% | 15.20% | 15.57% | 15.41% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.97% | 100.26% | 93.55% | 90.88% | 87.60% | 91.28% | 94.40% | 92.48% | +159 bps | |
| Liquid Assets / Assets | 5.73% | 5.62% | 5.55% | 6.48% | 6.58% | 8.07% | 7.95% | 7.79% | +131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |