PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Liberty B&T Co. of Tulsa NA

Tulsa, OK · Cert 4212

FDIC

Q3 1997

$1.1BAssets
$586.2MLoans
$835.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.31%, down 27 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 70.19% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

0.31%-27 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets0.82%0.70%0.69%0.57%0.67%0.97%0.16%0.31%-27 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)6.71%13.47%7.16%14.23%5.01%-2.64%9.48%2.37%-1,186 bps
Loan Growth (YoY)33.76%27.99%18.56%14.76%10.03%8.80%8.66%-3.25%-1,801 bps
Deposit Growth (YoY)10.30%13.07%12.17%10.12%4.44%-0.39%2.63%2.56%-756 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits64.72%68.52%70.83%74.41%68.19%74.84%74.99%70.19%-421 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a