Ada, OK · Charter 60841
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Ada, OK · Charter 60841
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.47% | -2.43% | -1.97% | -1.59% | -0.75% | -0.58% | -0.63% | -1.11% | +48 bps | |
| Return on Equity | -7.83% | -49.72% | -41.65% | -35.67% | -21.72% | -17.66% | -19.55% | -41.87% | -620 bps | |
| Net Interest Margin | 3.79% | 3.50% | 3.57% | 3.46% | 3.10% | 3.07% | 3.17% | 3.12% | -34 bps | |
| Efficiency Ratio | 109.80% | 127.91% | 129.26% | 124.64% | 118.36% | 113.68% | 117.50% | 123.48% | -116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.13% | -3.92% | -3.06% | 0.35% | 1.71% | 2.82% | 0.63% | -3.08% | -343 bps | |
| Loan Growth (YoY) | -18.40% | -23.52% | -23.18% | -21.57% | -21.57% | -16.72% | -9.84% | -4.19% | +1,738 bps | |
| Share Growth (YoY) | 6.58% | -0.66% | 0.29% | 2.86% | 4.24% | 4.23% | 1.89% | -2.20% | -506 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.59% | 0.97% | 0.69% | 1.79% | 1.71% | 1.54% | 1.98% | 1.99% | +20 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 | 1.25% | 1.29% | 1.08% | 1.21% | 1.09% | 1.20% | 0.74% | 0.86% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.99% | 4.89% | 4.74% | 4.47% | 3.46% | 3.28% | 3.22% | 2.65% | -182 bps | |
| Net Worth / Assets | 5.99% | 4.89% | 4.74% | 4.47% | 3.46% | 3.28% | 3.22% | 2.65% | -182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.65% | 47.75% | 47.39% | 42.97% | 38.86% | 38.15% | 41.93% | 42.09% | -87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |