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Langston

Langston, OK · Charter 4370

Q4 2013

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: Q4 2013, the quarter ended December 31, 2013, 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

Langston

Langston, OK · Charter 4370

Q4 2013

$113KAssets
$80KLoans
$111KShares
$-4KNet 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 -15.33%, down 1,393 bps year over year; NIM at 8.16%.
  • Asset quality: problem loans at 2.98% of loans (-735 bps YoY).
  • Capital: net worth / assets of -3.27%, down 1,414 bps from a year ago.
  • Funding: loans stand at 72.33% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-15.33%-1,393 bps YoY

Net Interest Margin (YTD, annualized)

8.16%-229 bps YoY

Efficiency Ratio (YTD, annualized)

155.18%+6,873 bps YoY

Net Worth / Assets

-3.27%-1,414 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-1.40%-5.73%-7.14%-10.76%-15.33%-1,393 bps
Return on Equity-12.85%-65.60%-103.38%-483%n/an/a
Net Interest Margin10.45%7.47%6.58%6.80%8.16%-229 bps
Efficiency Ratio86.45%149.92%170.51%159.66%155.18%+6,873 bps
Growth
Asset Growth (YoY)-7.21%0.90%-2.02%4.33%-15.98%-877 bps
Loan Growth (YoY)-48.50%-27.15%-37.21%-35.06%8.18%+5,667 bps
Share Growth (YoY)-9.12%0.24%1.88%9.86%-4.25%+487 bps
Asset Quality
Delinquent Loans / Loans10.33%10.43%14.69%10.42%2.98%-735 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.60%3.03%3.97%13.47%9.49%+189 bps
Capital
Risk-Based Capital10.87%8.73%6.91%2.23%-3.27%-1,414 bps
Net Worth / Assets10.87%8.73%6.91%2.23%-3.27%-1,414 bps
Liquidity & Funding
Loans / Shares64.03%47.09%40.98%42.09%72.33%+831 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps