Vinita, OK · Cert 4218
FDIC · 3 branches
Q1 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.60% | -4.05% | -2.97% | -2.67% | -0.34% | +127 bps | |
| Return on Equity | -19.20% | -48.89% | -35.55% | -31.42% | -3.80% | +1,540 bps | |
| Net Interest Margin | 3.09% | 3.21% | 3.71% | 4.03% | 3.34% | +25 bps | |
| Efficiency Ratio | 79.84% | 80.39% | 85.32% | 90.16% | 108.10% | +2,825 bps | |
| Non-Interest Burden | 2.33% | 2.45% | 3.05% | 3.55% | 3.67% | +134 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.80% | -24.92% | -28.07% | -27.17% | -22.66% | -585 bps | |
| Loan Growth (YoY) | -10.50% | -11.62% | -18.89% | -19.08% | -19.18% | -868 bps | |
| Deposit Growth (YoY) | -16.88% | -24.49% | -25.27% | -27.17% | -22.97% | -609 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.69% | 4.25% | 4.63% | 5.01% | 6.00% | +131 bps | |
| Net Charge-Offs / Loans | -0.34% | 3.66% | 3.40% | 2.70% | -1.73% | -139 bps | |
| Allowance / Loans | 2.62% | 3.45% | 3.56% | 4.31% | 4.91% | +229 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.8x | 0.8x | 0.9x | 0.8x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.72% | 6.92% | 7.82% | 8.25% | 8.35% | +63 bps | |
| Total Risk-Based Capital | 11.14% | 10.16% | 10.92% | 11.28% | 11.20% | +6 bps | |
| Equity / Assets | 8.43% | 8.12% | 8.58% | 9.17% | 8.61% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.69% | 77.76% | 77.60% | 81.19% | 74.16% | +348 bps | |
| Liquid Assets / Assets | 7.35% | 2.35% | 4.74% | 2.17% | 11.29% | +394 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |