Vinita, OK · Cert 4218
FDIC · 3 branches
Q1 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 1.25% | -7.73% | -1.60% | -6.58% | -0.53% | -1.57% | -0.34% | +127 bps | |
| Return on Equity | 8.69% | 14.04% | -87.92% | -19.20% | -79.45% | -6.34% | -17.72% | -3.80% | +1,540 bps | |
| Net Interest Margin | 3.27% | 3.57% | 3.14% | 3.09% | 3.24% | 3.75% | 3.81% | 3.34% | +25 bps | |
| Efficiency Ratio | 77.65% | 69.69% | 73.24% | 79.84% | 80.92% | 94.98% | 107.47% | 108.10% | +2,825 bps | |
| Non-Interest Burden | 2.44% | 2.33% | 2.12% | 2.33% | 2.49% | 3.52% | 4.12% | 3.67% | +134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.79% | -0.35% | -14.93% | -16.80% | -24.92% | -28.07% | -27.17% | -22.66% | -585 bps | |
| Loan Growth (YoY) | 1.08% | -1.46% | -10.49% | -10.50% | -11.62% | -18.89% | -19.08% | -19.18% | -868 bps | |
| Deposit Growth (YoY) | 5.34% | -4.44% | -16.41% | -16.88% | -24.49% | -25.27% | -27.17% | -22.97% | -609 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.20% | 2.15% | 5.47% | 4.69% | 4.25% | 4.63% | 5.01% | 6.00% | +131 bps | |
| Net Charge-Offs / Loans | 0.34% | 0.12% | 13.17% | -0.34% | 7.67% | 2.12% | -0.13% | -1.73% | -139 bps | |
| Allowance / Loans | 1.16% | 1.19% | 1.52% | 2.62% | 3.45% | 3.56% | 4.31% | 4.91% | +229 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 0.3x | 0.6x | 0.8x | 0.8x | 0.9x | 0.8x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.78% | 9.09% | 7.61% | 7.72% | 6.92% | 7.82% | 8.25% | 8.35% | +63 bps | |
| Total Risk-Based Capital | 12.89% | 13.20% | 11.68% | 11.14% | 10.16% | 10.92% | 11.28% | 11.20% | +6 bps | |
| Equity / Assets | 8.63% | 9.25% | 8.28% | 8.43% | 8.12% | 8.58% | 9.17% | 8.61% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.43% | 71.49% | 73.06% | 70.69% | 77.76% | 77.60% | 81.19% | 74.16% | +348 bps | |
| Liquid Assets / Assets | 1.18% | 1.24% | 1.41% | 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 | n/a | n/a | n/a |