Edmond, OK · Cert 58804
FDIC · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Edmond, OK · Cert 58804
FDIC · 1 branch
Q2 2020
Market Position · Oklahoma City, OK · 2020 SOD (annual) · 0.6% share · #30 of 72 inst. · $0.3B of $42.5B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.62% | 2.56% | 2.47% | 2.64% | 2.58% | 2.55% | 2.14% | 2.11% | -53 bps | |
| Return on Equity | 21.51% | 20.85% | 19.13% | 20.62% | 20.22% | 19.93% | 16.24% | 16.42% | -420 bps | |
| Net Interest Margin | 4.45% | 4.46% | 4.33% | 4.23% | 4.20% | 4.00% | 3.74% | 3.61% | -62 bps | |
| Efficiency Ratio | 42.54% | 43.30% | 44.00% | 40.51% | 39.85% | 39.72% | 45.14% | 42.62% | +211 bps | |
| Non-Interest Burden | 1.81% | 1.86% | 1.80% | 1.53% | 1.54% | 1.47% | 1.61% | 1.49% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.25% | 3.40% | 2.37% | 3.57% | 4.51% | 6.74% | 5.36% | 10.83% | +726 bps | |
| Loan Growth (YoY) | -0.31% | 3.62% | 2.98% | 3.33% | 4.02% | 1.52% | -1.88% | 2.57% | -76 bps | |
| Deposit Growth (YoY) | -9.76% | -2.67% | 10.86% | 17.94% | 27.35% | 20.78% | 10.45% | 17.57% | -37 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.46% | 0.00% | 0.77% | 0.94% | 0.20% | 0.13% | +13 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.00% | 0.03% | 0.02% | 0.01% | 0.04% | 0.02% | -1 bps | |
| Allowance / Loans | 1.08% | 1.09% | 1.08% | 1.07% | 1.07% | 1.08% | 1.07% | 1.01% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.4x | n/a | 1.4x | 1.1x | 5.4x | 7.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.53% | 13.10% | 13.35% | 12.65% | 12.78% | 12.86% | 13.30% | 12.35% | -30 bps | |
| Total Risk-Based Capital | 14.50% | 15.07% | 15.31% | 14.84% | 15.06% | 15.64% | 13.30% | 12.35% | -248 bps | |
| Equity / Assets | 12.12% | 12.79% | 13.04% | 12.53% | 12.60% | 13.02% | 13.40% | 12.12% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 130.63% | 122.43% | 114.56% | 113.54% | 106.70% | 102.90% | 101.77% | 99.05% | -1,449 bps | |
| Liquid Assets / Assets | 2.96% | 3.00% | 4.21% | 5.27% | 4.00% | 5.11% | 2.33% | 11.58% | +631 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |