Ada, OK · Charter 60851
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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 60851
Q2 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.00% | 1.00% | 1.01% | 1.05% | +2 bps | |
| Return on Equity | 11.52% | -0.01% | 12.60% | 12.64% | 12.25% | +73 bps | |
| Net Interest Margin | 3.85% | 3.24% | 3.49% | 4.38% | 4.49% | +64 bps | |
| Efficiency Ratio | 60.88% | 78.99% | 61.32% | 72.80% | 72.05% | +1,117 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.44% | 11.68% | 12.93% | 18.52% | 12.13% | +669 bps | |
| Loan Growth (YoY) | 14.94% | 11.48% | 17.93% | 14.36% | 10.46% | -448 bps | |
| Share Growth (YoY) | 3.94% | 10.61% | 13.16% | 19.12% | 11.89% | +795 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.51% | 0.00% | 0.01% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.65% | 0.28% | 0.51% | 0.63% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.95% | 7.56% | 7.91% | 7.97% | 8.56% | -39 bps | |
| Net Worth / Assets | 8.95% | 7.56% | 7.91% | 7.97% | 8.56% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.26% | 62.56% | 68.90% | 66.84% | 70.35% | -91 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |