Tulsa, OK · Cert 9882
FDIC · 2 branches
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.
Tulsa, OK · Cert 9882
FDIC · 2 branches
Q2 2020
Market Position · Tulsa, OK · 2020 SOD (annual) · 0.3% share · #40 of 59 inst. · $0.1B of $35.0B
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 0.22% | 1.29% | 1.27% | 1.36% | 1.22% | 0.53% | 0.99% | -27 bps | |
| Return on Equity | 12.22% | 2.14% | 8.39% | 8.05% | 8.39% | 7.34% | 2.86% | 5.48% | -257 bps | |
| Net Interest Margin | 4.19% | 0.78% | 4.78% | 5.04% | 5.20% | 5.32% | 4.72% | 4.99% | -5 bps | |
| Efficiency Ratio | 71.83% | 59.89% | 59.31% | 58.76% | 57.80% | 59.90% | 71.96% | 55.51% | -324 bps | |
| Non-Interest Burden | 2.75% | 0.40% | 2.41% | 2.51% | 2.53% | 2.70% | 3.01% | 2.54% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.04% | -2.98% | -2.25% | -6.60% | -16.45% | -12.07% | -10.60% | 1.03% | +762 bps | |
| Loan Growth (YoY) | 1.06% | -1.06% | -7.48% | -9.60% | -12.09% | -13.04% | -11.42% | -5.55% | +404 bps | |
| Deposit Growth (YoY) | 5.26% | -6.24% | -9.11% | -11.74% | -18.06% | -15.64% | -13.71% | -0.02% | +1,172 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.22% | 0.29% | 0.26% | 0.19% | 0.36% | 0.42% | 0.23% | -2 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.04% | 0.16% | 0.13% | 0.24% | 0.38% | 0.19% | 0.22% | +9 bps | |
| Allowance / Loans | 1.07% | 0.11% | 0.34% | 0.59% | 0.78% | 0.88% | 1.12% | 1.63% | +104 bps | |
| Allowance Coverage of NPLs | 5.5x | 0.5x | 1.2x | 2.3x | 4.2x | 2.5x | 2.7x | 6.9x | +4.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.97% | 11.71% | 10.67% | 11.41% | 12.26% | 13.07% | 13.36% | 12.04% | +63 bps | |
| Total Risk-Based Capital | 13.45% | 13.91% | 12.89% | 14.02% | 15.06% | 15.88% | 16.59% | 17.99% | +396 bps | |
| Equity / Assets | 8.78% | 15.27% | 15.45% | 16.48% | 17.72% | 18.70% | 18.35% | 17.33% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.64% | 98.35% | 93.21% | 95.38% | 98.31% | 101.37% | 95.68% | 90.10% | -528 bps | |
| Liquid Assets / Assets | 1.35% | 2.88% | 4.86% | 4.34% | 1.58% | 1.44% | 4.75% | 11.07% | +673 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |