Okemah, OK · Cert 419
FDIC · 2 branches
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.
Okemah, OK · Cert 419
FDIC · 2 branches
Q4 2019
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 | -3.67% | 2.22% | 1.26% | 1.79% | -0.75% | -14.92% | -7.42% | -5.24% | -703 bps | |
| Return on Equity | -29.15% | 16.39% | 8.72% | 11.81% | -3.78% | -81.12% | -38.66% | -26.60% | -3,841 bps | |
| Net Interest Margin | 1.44% | 1.91% | 2.27% | 2.36% | 2.85% | 2.85% | 3.44% | 3.58% | +122 bps | |
| Efficiency Ratio | 352% | 282% | 252% | 151.46% | 111.91% | 568% | 238% | 188.06% | +3,660 bps | |
| Non-Interest Burden | 4.72% | 4.15% | 4.58% | 3.16% | 3.22% | 18.09% | 12.20% | 9.90% | +674 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -60.51% | -42.27% | -48.94% | -29.02% | -23.83% | -27.37% | -34.06% | -33.28% | -426 bps | |
| Loan Growth (YoY) | -82.02% | -77.37% | -77.84% | -68.78% | -20.91% | -10.14% | -8.93% | -4.74% | +6,404 bps | |
| Deposit Growth (YoY) | -58.59% | -42.88% | -49.73% | -32.72% | -30.63% | -33.05% | -37.97% | -37.13% | -442 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 8.79% | 9.83% | 10.03% | 14.73% | 9.29% | 13.43% | 10.42% | 9.96% | -477 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.22% | 0.13% | 0.31% | 0.67% | 0.71% | 0.83% | 0.59% | +28 bps | |
| Allowance / Loans | 9.74% | 3.46% | 3.04% | 3.06% | 3.15% | 3.53% | 3.41% | 3.37% | +30 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.4x | 0.3x | 0.2x | 0.3x | 0.3x | 0.3x | 0.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.88% | 15.43% | 17.38% | 18.85% | 20.78% | 14.13% | 20.93% | 22.91% | +407 bps | |
| Total Risk-Based Capital | 25.60% | 33.66% | 43.71% | 45.63% | 48.01% | 31.47% | 41.77% | 45.92% | +28 bps | |
| Equity / Assets | 13.52% | 15.61% | 17.82% | 18.48% | 21.51% | 15.02% | 22.58% | 22.30% | +382 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.16% | 36.53% | 41.97% | 39.19% | 48.06% | 49.03% | 61.62% | 59.38% | +2,019 bps | |
| Liquid Assets / Assets | 29.42% | 25.68% | 14.16% | 15.42% | 11.10% | 8.04% | 11.48% | 15.38% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |