Snyder, OK · Cert 4198
FDIC · 4 branches
Q1 2015
Market Position · Lawton, OK · 2014 SOD (annual) · 4.6% share · #7 of 13 inst. · $0.1B of $1.4B
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 | 1.53% | 1.77% | 1.46% | 0.78% | 0.65% | 0.66% | 0.67% | 0.86% | +8 bps | |
| Return on Equity | 17.23% | 20.08% | 16.75% | 9.40% | 7.97% | 7.91% | 8.04% | 10.09% | +69 bps | |
| Net Interest Margin | 3.98% | 3.90% | 3.87% | 3.69% | 3.69% | 3.66% | 3.82% | 3.89% | +20 bps | |
| Efficiency Ratio | 68.20% | 70.43% | 73.99% | 80.91% | 83.74% | 81.93% | 82.48% | 81.51% | +60 bps | |
| Non-Interest Burden | 2.38% | 2.45% | 2.61% | 2.86% | 2.96% | 2.83% | 2.97% | 2.97% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.39% | 1.25% | 4.09% | 3.73% | 9.62% | -2.72% | 0.28% | -1.00% | -472 bps | |
| Loan Growth (YoY) | -4.83% | -5.99% | 0.56% | 4.48% | 12.30% | 16.50% | 16.26% | 17.51% | +1,303 bps | |
| Deposit Growth (YoY) | 1.43% | 4.21% | 3.45% | 4.17% | 4.62% | -1.44% | -1.21% | -1.33% | -550 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 | 0.15% | -0.55% | -0.31% | 0.29% | 0.22% | 0.22% | 0.23% | 0.09% | -20 bps | |
| Allowance / Loans | 1.90% | 1.90% | 1.75% | 1.69% | 1.62% | 1.69% | 1.55% | 1.53% | -16 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 | 8.04% | n/a | n/a |
| Total Risk-Based Capital | 11.86% | 12.23% | 11.69% | 11.89% | 11.65% | 12.11% | 11.79% | 10.66% | -123 bps | |
| Equity / Assets | 8.67% | 8.64% | 8.28% | 8.39% | 7.89% | 8.80% | 8.45% | 8.60% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.42% | 57.22% | 60.98% | 58.42% | 60.56% | 67.63% | 71.77% | 69.57% | +1,115 bps | |
| Liquid Assets / Assets | 36.20% | 40.71% | 37.92% | 37.25% | 37.97% | 34.20% | 31.95% | 30.72% | -653 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |