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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 1.36% | 1.22% | 0.53% | 0.99% | -27 bps | |
| Return on Equity | 8.05% | 8.39% | 7.34% | 2.86% | 5.48% | -257 bps | |
| Net Interest Margin | 5.04% | 5.20% | 5.32% | 4.72% | 4.99% | -5 bps | |
| Efficiency Ratio | 58.76% | 57.80% | 59.90% | 71.96% | 55.51% | -324 bps | |
| Non-Interest Burden | 2.51% | 2.53% | 2.70% | 3.01% | 2.54% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.60% | -16.45% | -12.07% | -10.60% | 1.03% | +762 bps | |
| Loan Growth (YoY) | -9.60% | -12.09% | -13.04% | -11.42% | -5.55% | +404 bps | |
| Deposit Growth (YoY) | -11.74% | -18.06% | -15.64% | -13.71% | -0.02% | +1,172 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.19% | 0.36% | 0.42% | 0.23% | -2 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.24% | 0.38% | 0.19% | 0.22% | +9 bps | |
| Allowance / Loans | 0.59% | 0.78% | 0.88% | 1.12% | 1.63% | +104 bps | |
| Allowance Coverage of NPLs | 2.3x | 4.2x | 2.5x | 2.7x | 6.9x | +4.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.41% | 12.26% | 13.07% | 13.36% | 12.04% | +63 bps | |
| Total Risk-Based Capital | 14.02% | 15.06% | 15.88% | 16.59% | 17.99% | +396 bps | |
| Equity / Assets | 16.48% | 17.72% | 18.70% | 18.35% | 17.33% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.38% | 98.31% | 101.37% | 95.68% | 90.10% | -528 bps | |
| Liquid Assets / Assets | 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 |