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Magnolia Healdton

Duncan, OK · Charter 10454

Q3 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2004, the quarter ended September 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Magnolia Healdton

Duncan, OK · Charter 10454

Q3 2004

$191KAssets
$100KLoans
$158KShares
$30KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.22%, down 254 bps year over year; NIM at 5.27%.
  • Asset quality: problem loans at 44.95% of loans (+1,415 bps YoY).
  • Capital: net worth / assets of 15.75%, up 5 bps from a year ago.
  • Funding: loans stand at 63.25% of shares as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

-1.22%-254 bps YoY

Net Interest Margin (YTD, annualized)

5.27%-271 bps YoY

Efficiency Ratio (YTD, annualized)

115.32%+4,591 bps YoY

Net Worth / Assets

15.75%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets1.31%0.23%-0.70%-0.79%-1.22%-254 bps
Return on Equity8.37%1.51%-4.53%-4.86%-7.78%-1,615 bps
Net Interest Margin7.97%7.00%6.04%5.83%5.27%-271 bps
Efficiency Ratio69.41%80.65%98.59%102.80%115.32%+4,591 bps
Growth
Asset Growth (YoY)-3.52%-2.19%-7.92%-11.38%-10.34%-682 bps
Loan Growth (YoY)-8.25%-20.46%-30.29%-44.85%-47.23%-3,898 bps
Share Growth (YoY)-6.39%-3.74%-8.41%-11.35%-9.88%-349 bps
Asset Quality
Delinquent Loans / Loans30.80%17.08%20.11%33.09%44.95%+1,415 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans20.44%6.46%7.77%10.05%11.08%-936 bps
Capital
Risk-Based Capital15.70%14.99%15.56%16.31%15.75%+5 bps
Net Worth / Assets15.70%14.99%15.56%16.31%15.75%+5 bps
Liquidity & Funding
Loans / Shares108.01%87.69%78.89%69.75%63.25%-4,476 bps
Liquid Assets / Assets25.36%28.77%36.94%44.83%49.23%+2,387 bps