Stigler, OK · Cert 4199
FDIC · 1 branch
Q1 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2024, the quarter ended March 31, 2024, 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.
Stigler, OK · Cert 4199
FDIC · 1 branch
Q1 2024
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.20% | 1.03% | 1.10% | 1.76% | +58 bps | |
| Return on Equity | -498% | -425% | -167.45% | -216% | -460% | +3,723 bps | |
| Net Interest Margin | 2.74% | 2.73% | 2.74% | 2.76% | 2.68% | -6 bps | |
| Efficiency Ratio | 57.14% | 56.51% | 57.78% | 56.86% | 37.61% | -1,953 bps | |
| Non-Interest Burden | 1.35% | 1.32% | 1.36% | 1.35% | 0.67% | -68 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.80% | -1.69% | -4.68% | -9.45% | -2.25% | +256 bps | |
| Loan Growth (YoY) | 1.03% | -0.05% | 0.51% | -0.11% | -1.01% | -204 bps | |
| Deposit Growth (YoY) | -0.53% | -1.09% | -4.01% | -10.16% | -1.52% | -99 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.80% | 0.79% | 0.79% | 0.80% | 0.90% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | +6 bps | |
| Allowance / Loans | 1.13% | 1.12% | 1.11% | 1.12% | 1.12% | -1 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.4x | 1.4x | 1.2x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.12% | 8.37% | 8.45% | 8.24% | 8.00% | -12 bps | |
| Total Risk-Based Capital | 22.61% | 22.74% | 24.31% | 24.09% | 23.68% | +107 bps | |
| Equity / Assets | 0.03% | -0.37% | -1.68% | -0.05% | -0.70% | -73 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 27.34% | 27.88% | 28.65% | 29.25% | 27.48% | +14 bps | |
| Liquid Assets / Assets | 11.01% | 11.46% | 18.16% | 14.01% | 17.79% | +678 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |