Langston, OK · Charter 4370
Q4 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Langston, OK · Charter 4370
Q4 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -23.10% | -11.19% | -7.72% | -1.40% | -5.73% | -7.14% | -10.76% | -15.33% | -1,393 bps | |
| Return on Equity | -515% | -186.41% | -144.96% | -12.85% | -65.60% | -103.38% | -483% | n/a | n/a | |
| Net Interest Margin | 16.35% | 10.03% | 10.13% | 10.45% | 7.47% | 6.58% | 6.80% | 8.16% | -229 bps | |
| Efficiency Ratio | 68.88% | 82.24% | 74.18% | 86.45% | 149.92% | 170.51% | 159.66% | 155.18% | +6,873 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.98% | -18.59% | -17.49% | -7.21% | 0.90% | -2.02% | 4.33% | -15.98% | -877 bps | |
| Loan Growth (YoY) | -5.95% | -38.84% | -26.03% | -48.50% | -27.15% | -37.21% | -35.06% | 8.18% | +5,667 bps | |
| Share Growth (YoY) | 18.12% | -14.17% | -12.41% | -9.12% | 0.24% | 1.88% | 9.86% | -4.25% | +487 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.44% | 5.83% | 1.29% | 10.33% | 10.43% | 14.69% | 10.42% | 2.98% | -735 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.25% | 10.40% | 13.10% | 7.60% | 3.03% | 3.97% | 13.47% | 9.49% | +189 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.49% | 6.00% | 5.32% | 10.87% | 8.73% | 6.91% | 2.23% | -3.27% | -1,414 bps | |
| Net Worth / Assets | 4.49% | 6.00% | 5.32% | 10.87% | 8.73% | 6.91% | 2.23% | -3.27% | -1,414 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.80% | 66.49% | 71.20% | 64.03% | 47.09% | 40.98% | 42.09% | 72.33% | +831 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |