Okeene, OK · Cert 5995
FDIC · 1 branch
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Okeene, OK · Cert 5995
FDIC · 1 branch
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.63% | 1.43% | 2.11% | 1.97% | 1.91% | 1.60% | 2.28% | +17 bps | |
| Return on Equity | 13.55% | 14.39% | 12.74% | 20.04% | 18.49% | 17.75% | 14.74% | 20.67% | +63 bps | |
| Net Interest Margin | 3.23% | 3.23% | 3.18% | 3.30% | 3.38% | 3.43% | 3.60% | 3.66% | +36 bps | |
| Efficiency Ratio | 54.48% | 52.86% | 58.86% | 41.11% | 44.70% | 46.60% | 55.01% | 40.27% | -84 bps | |
| Non-Interest Burden | 1.57% | 1.52% | 1.69% | 1.06% | 1.27% | 1.38% | 1.82% | 1.25% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.59% | 13.27% | 12.34% | 9.78% | 4.33% | -0.06% | -4.97% | -0.15% | -993 bps | |
| Loan Growth (YoY) | 5.51% | 9.35% | 8.67% | 5.95% | -2.76% | -1.10% | -2.09% | -1.23% | -718 bps | |
| Deposit Growth (YoY) | 7.98% | 15.47% | 13.48% | 10.52% | 4.76% | -0.07% | -5.93% | -0.83% | -1,135 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 2.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.02% | -0.02% | -0.02% | -0.02% | 0.01% | +3 bps | |
| Allowance / Loans | 0.65% | 0.69% | 0.73% | 0.78% | 0.86% | 0.89% | 0.93% | 0.97% | +19 bps | |
| Allowance Coverage of NPLs | n/a | 0.3x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.24% | 11.04% | 10.73% | 10.48% | 10.83% | 11.14% | 11.45% | 11.06% | +58 bps | |
| Total Risk-Based Capital | 14.62% | 14.74% | 15.03% | 15.13% | 16.17% | 16.14% | 16.29% | 15.98% | +85 bps | |
| Equity / Assets | 11.39% | 11.13% | 10.80% | 10.29% | 10.88% | 10.99% | 11.40% | 10.70% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.28% | 76.28% | 75.39% | 72.99% | 73.59% | 75.50% | 78.46% | 72.70% | -30 bps | |
| Liquid Assets / Assets | 1.00% | 0.96% | 0.95% | 0.94% | 0.97% | 0.00% | 0.00% | 0.00% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |