Poteau, OK · Cert 4181
FDIC · 6 branches
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, 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.
Poteau, OK · Cert 4181
FDIC · 6 branches
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 1.63% | 1.69% | 0.28% | 0.47% | 0.90% | 0.82% | 0.74% | +46 bps | |
| Return on Equity | 15.34% | 15.69% | 16.18% | 2.40% | 3.89% | 6.71% | 6.37% | 5.89% | +349 bps | |
| Net Interest Margin | 3.58% | 3.37% | 3.46% | 0.75% | 1.37% | 2.89% | 2.84% | 2.70% | +195 bps | |
| Efficiency Ratio | 62.29% | 58.58% | 58.79% | 55.60% | 58.38% | 65.51% | 67.74% | 69.88% | +1,428 bps | |
| Non-Interest Burden | 1.94% | 1.67% | 1.74% | 0.36% | 0.69% | 1.65% | 1.70% | 1.67% | +131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.66% | 21.41% | 12.39% | 17.67% | 13.20% | 11.70% | 10.50% | 2.38% | -1,529 bps | |
| Loan Growth (YoY) | -7.60% | -3.40% | -8.44% | -3.10% | -4.75% | -5.26% | 4.53% | 10.69% | +1,379 bps | |
| Deposit Growth (YoY) | 18.52% | 23.51% | 12.95% | 12.59% | 8.35% | 8.60% | 9.07% | 4.67% | -792 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.64% | 0.64% | 0.72% | 0.60% | 0.61% | 0.59% | 0.66% | -6 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.02% | 0.03% | 0.01% | -0.02% | -0.05% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.94% | 0.98% | 1.02% | 0.01% | 0.12% | 0.15% | 0.15% | 0.13% | +12 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.5x | 1.6x | 0.0x | 0.2x | 0.2x | 0.3x | 0.2x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.16% | 9.73% | 10.05% | 10.93% | 10.53% | 10.32% | 10.09% | 10.22% | -71 bps | |
| Total Risk-Based Capital | 10.16% | 9.73% | 10.05% | 10.93% | 10.53% | 10.32% | 10.09% | 10.22% | -71 bps | |
| Equity / Assets | 10.50% | 10.23% | 10.66% | 14.81% | 14.00% | 12.82% | 12.01% | 11.19% | -362 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.89% | 54.30% | 51.49% | 51.93% | 49.14% | 47.37% | 49.34% | 54.92% | +299 bps | |
| Liquid Assets / Assets | 10.97% | 13.81% | 14.16% | 14.03% | 15.17% | 12.09% | 3.47% | 0.74% | -1,329 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |