Morris, OK · Cert 429
FDIC · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Morris, OK · Cert 429
FDIC · 1 branch
Q2 2018
Market Position · Tulsa, OK · 2018 SOD (annual) · 0.3% share · #39 of 59 inst. · $0.1B of $25.5B
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.22% | 2.12% | 1.90% | 1.83% | 1.89% | 1.85% | 0.15% | 0.81% | -102 bps | |
| Return on Equity | 26.42% | 25.43% | 23.19% | 21.91% | 22.50% | 22.21% | 1.89% | 9.75% | -1,216 bps | |
| Net Interest Margin | 4.18% | 4.11% | 4.08% | 4.09% | 4.10% | 4.03% | 3.97% | 4.08% | -1 bps | |
| Efficiency Ratio | 58.95% | 59.80% | 61.52% | 62.68% | 61.42% | 61.63% | 61.45% | 60.20% | -248 bps | |
| Non-Interest Burden | 2.09% | 2.09% | 2.15% | 2.21% | 2.16% | 2.14% | 2.11% | 2.12% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.14% | 1.89% | 0.45% | -1.77% | -1.35% | 3.93% | 1.31% | 1.62% | +339 bps | |
| Loan Growth (YoY) | -1.35% | -2.57% | -2.18% | -2.08% | 1.75% | 6.13% | 4.86% | 3.00% | +508 bps | |
| Deposit Growth (YoY) | -2.19% | -1.72% | -0.55% | 1.44% | -3.00% | -5.73% | -4.25% | -5.83% | -727 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.31% | 0.35% | 0.35% | 0.26% | 0.62% | 0.38% | +3 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.06% | 0.08% | 0.06% | 0.05% | 0.12% | 0.11% | 0.10% | +4 bps | |
| Allowance / Loans | 1.09% | 1.07% | 1.07% | 1.08% | 1.05% | 0.97% | 0.98% | 0.99% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 3.5x | 3.1x | 3.0x | 3.7x | 1.6x | 2.6x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.46% | 8.40% | 8.54% | 8.73% | 8.80% | 8.61% | 8.16% | 8.83% | +10 bps | |
| Total Risk-Based Capital | 15.12% | 15.25% | 15.43% | 15.49% | 15.34% | 14.75% | 14.61% | 15.48% | -1 bps | |
| Equity / Assets | 8.41% | 8.03% | 8.37% | 8.61% | 8.58% | 8.17% | 8.13% | 8.51% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.83% | 84.18% | 80.94% | 80.63% | 88.99% | 94.77% | 88.65% | 88.19% | +756 bps | |
| Liquid Assets / Assets | 8.45% | 8.39% | 8.17% | 8.18% | 8.06% | 7.81% | 8.05% | 7.73% | -44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |