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Ada Federal Employees

Ada, OK · Charter 60851

Q2 2011

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: 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.

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

Ada Federal Employees

Ada, OK · Charter 60851

Q2 2011

$7.4MAssets
$4.7MLoans
$6.7MShares
$635KNet Worth

Executive Summary

  • Earnings: ROA of 1.05%, up 2 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY).
  • Capital: net worth / assets of 8.56%, down 39 bps from a year ago.
  • Funding: loans stand at 70.35% of shares as of Q2 2011.

Return on Assets (YTD, annualized)

1.05%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.49%+64 bps YoY

Efficiency Ratio (YTD, annualized)

72.05%+1,117 bps YoY

Net Worth / Assets

8.56%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-1.29%-0.41%0.92%1.03%0.00%1.00%1.01%1.05%+2 bps
Return on Equity-18.15%-4.91%10.37%11.52%-0.01%12.60%12.64%12.25%+73 bps
Net Interest Margin3.31%3.75%3.88%3.85%3.24%3.49%4.38%4.49%+64 bps
Efficiency Ratio50.78%82.99%63.09%60.88%78.99%61.32%72.80%72.05%+1,117 bps
Growth
Asset Growth (YoY)34.13%29.62%17.20%5.44%11.68%12.93%18.52%12.13%+669 bps
Loan Growth (YoY)10.15%13.20%16.11%14.94%11.48%17.93%14.36%10.46%-448 bps
Share Growth (YoY)37.08%30.80%16.71%3.94%10.61%13.16%19.12%11.89%+795 bps
Asset Quality
Delinquent Loans / Loans0.65%0.00%0.02%0.00%0.51%0.00%0.01%0.03%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.45%0.44%0.55%0.63%0.65%0.28%0.51%0.63%+1 bps
Capital
Risk-Based Capital7.09%8.43%8.90%8.95%7.56%7.91%7.97%8.56%-39 bps
Net Worth / Assets7.09%8.43%8.90%8.95%7.56%7.91%7.97%8.56%-39 bps
Liquidity & Funding
Loans / Shares62.08%66.11%69.62%71.26%62.56%68.90%66.84%70.35%-91 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps