Picher, OK · Cert 6007
FDIC · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Picher, OK · Cert 6007
FDIC · 1 branch
Q4 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.00% | 0.28% | 0.03%1 | -53.08% | -29.16% | -22.30% | -19.85% | -1,988 bps | |
| Return on Equity | 0.00% | 0.00% | 2.29% | 0.28% | -531% | -313% | -253% | -245% | -24,479 bps | |
| Net Interest Margin | 4.69% | 4.20% | 4.58% | 4.65% | 3.74% | 3.99% | 4.15% | 4.52% | -13 bps | |
| Efficiency Ratio | 97.90% | 99.35% | 92.51% | 93.83% | 144.44% | 148.36% | 189.88% | 209% | +11,483 bps | |
| Non-Interest Burden | 4.59% | 4.17% | 4.19% | 4.31% | 5.97% | 6.41% | 8.71% | 11.03% | +672 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.40% | 16.48% | 2.67% | 3.46% | -21.71% | -27.60% | -29.46% | -33.90% | -3,735 bps | |
| Loan Growth (YoY) | 1.61% | 1.08% | -4.24% | -14.00% | -25.52% | -27.93% | -28.47% | -25.87% | -1,187 bps | |
| Deposit Growth (YoY) | 17.51% | 21.91% | -1.56% | 1.53% | -19.17% | -30.87% | -17.96% | -21.54% | -2,307 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.57% | 0.55% | 0.31% | 0.61% | +61 bps | |
| Net Charge-Offs / Loans | 0.07% | 1.14% | 1.38% | 1.62% | 124.31% | 64.79% | 47.53% | 38.80% | +3,718 bps | |
| Allowance / Loans | 2.64% | 2.11% | 2.15% | 2.53% | 2.45% | 2.88% | 1.76% | 1.91% | -61 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 4.3x | 5.2x | 5.8x | 3.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.09% | 10.56% | 11.84% | 12.26% | 6.69% | 6.66% | 6.17% | 4.74% | -752 bps | |
| Total Risk-Based Capital | 15.47% | 16.97% | 19.33% | 20.61% | 12.04% | 11.93% | 10.82% | 8.40% | -1,221 bps | |
| Equity / Assets | 11.22% | 11.53% | 13.25% | 12.39% | 7.37% | 7.74% | 6.91% | 4.48% | -790 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.76% | 53.99% | 63.05% | 55.09% | 49.54% | 56.29% | 54.98% | 52.06% | -304 bps | |
| Liquid Assets / Assets | 0.93% | 0.93% | 0.91% | 1.01% | 1.26% | 1.03% | 0.99% | 0.96% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |