Wagoner, OK · Cert 4219
FDIC · 9 branches
Q4 2017
Market Position · Tulsa, OK · 2017 SOD (annual) · 0.6% share · #28 of 58 inst. · $0.2B of $26.0B
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.59% | 2.83% | 2.84% | 2.81% | 2.54% | -5 bps | |
| Return on Equity | 21.46% | 23.07% | 22.88% | 22.69% | 20.45% | -101 bps | |
| Net Interest Margin | 4.68% | 4.79% | 4.79% | 4.77% | 4.84% | +16 bps | |
| Efficiency Ratio | 47.97% | 43.56% | 43.69% | 45.52% | 49.46% | +149 bps | |
| Non-Interest Burden | 2.09% | 1.91% | 1.91% | 1.93% | 2.20% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.91% | 6.59% | -0.62% | 0.05% | 1.71% | +362 bps | |
| Loan Growth (YoY) | 5.64% | 0.48% | 3.11% | -0.71% | -1.68% | -732 bps | |
| Deposit Growth (YoY) | -2.61% | 6.83% | -1.31% | -5.46% | 1.32% | +393 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.33% | 0.54% | 0.60% | 0.44% | +44 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.09% | 0.10% | 0.08% | 0.08% | -1 bps | |
| Allowance / Loans | 1.49% | 1.48% | 1.43% | 1.41% | 1.47% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 4.5x | 2.6x | 2.4x | 3.4x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.83% | 11.86% | 12.01% | 11.85% | 12.51% | +68 bps | |
| Total Risk-Based Capital | 15.53% | 15.47% | 15.15% | 14.79% | 15.39% | -13 bps | |
| Equity / Assets | 12.50% | 12.01% | 12.72% | 12.25% | 12.74% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.76% | 98.38% | 105.78% | 107.97% | 100.68% | -307 bps | |
| Liquid Assets / Assets | 0.17% | 0.27% | 0.18% | 0.19% | 0.19% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |