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Oil Capital

Tulsa, OK · Charter 555

Q4 2000

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 2000, the quarter ended December 31, 2000, 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

Oil Capital

Tulsa, OK · Charter 555

Q4 2000

$11.0MAssets
$9.1MLoans
$10.1MShares
$907KNet Worth

Executive Summary

  • Earnings: ROA of 0.42%, down 366 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.84% of loans (+15 bps YoY).
  • Capital: net worth / assets of 8.22%.
  • Funding: loans stand at 90.09% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.42%-366 bps YoY

Net Interest Margin (YTD, annualized)

4.58%

Efficiency Ratio (YTD, annualized)

88.09%

Net Worth / Assets

8.22%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.34%3.64%3.86%4.08%3.52%0.52%0.40%0.42%-366 bps
Return on Equityn/an/an/an/an/an/an/a5.17%n/an/a
Net Interest Marginn/an/an/an/an/a4.80%4.66%4.58%n/a
Efficiency Ration/an/an/an/an/a87.43%88.03%88.09%n/a
Growth
Asset Growth (YoY)-4.00%-2.92%1.09%5.76%11.00%12.82%15.30%14.55%+880 bps
Loan Growth (YoY)-2.55%-1.78%-5.05%2.26%23.65%29.79%33.22%33.27%+3,102 bps
Share Growth (YoY)-5.49%-4.64%-0.93%4.43%10.05%12.17%15.50%14.87%+1,044 bps
Asset Quality
Delinquent Loans / Loans0.75%1.24%1.74%0.68%0.80%1.06%0.61%0.84%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.24%1.23%1.03%0.63%0.49%0.69%0.56%0.80%+17 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a8.22%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a8.22%n/an/a
Liquidity & Funding
Loans / Shares73.42%73.29%76.73%77.65%82.50%84.81%88.50%90.09%+1,244 bps
Liquid Assets / Assets21.44%28.03%20.06%17.21%16.01%3.40%9.51%7.41%-980 bps