PackageTrendsPeer
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Frisco Employees

Tulsa, OK · Charter 62636

Q1 2009

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: Q1 2009, the quarter ended March 31, 2009, 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

Frisco Employees

Tulsa, OK · Charter 62636

Q1 2009

$7.1MAssets
$4.7MLoans
$6.3MShares
$777KNet Worth

Executive Summary

  • Earnings: ROA of -2.54%, down 257 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.10% of loans (+2 bps YoY).
  • Capital: net worth / assets of 10.91%, down 33 bps from a year ago.
  • Funding: loans stand at 74.58% of shares as of Q1 2009.

Return on Assets (YTD, annualized)

-2.54%-257 bps YoY

Net Interest Margin (YTD, annualized)

3.27%-29 bps YoY

Efficiency Ratio (YTD, annualized)

136.71%+3,761 bps YoY

Net Worth / Assets

10.91%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets0.07%0.07%0.07%0.03%0.04%0.03%0.03%-2.54%-257 bps
Return on Equity0.67%0.70%0.68%0.29%0.36%0.28%0.26%-23.30%-2,359 bps
Net Interest Margin3.43%3.50%3.62%3.56%3.35%3.38%3.42%3.27%-29 bps
Efficiency Ratio97.99%97.93%97.99%99.10%105.65%103.21%101.97%136.71%+3,761 bps
Growth
Asset Growth (YoY)-7.05%-4.51%-6.80%-9.27%-6.27%-5.12%-0.78%-2.49%+678 bps
Loan Growth (YoY)2.45%2.77%-1.31%-5.71%-10.60%-8.07%-11.77%-8.32%-261 bps
Share Growth (YoY)-7.00%-6.05%-7.15%-11.04%-8.01%-4.89%-1.08%-1.83%+921 bps
Asset Quality
Delinquent Loans / Loans0.03%0.24%0.33%0.09%1.06%1.05%0.12%0.10%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.56%0.62%0.65%0.72%0.50%0.48%0.45%0.10%-61 bps
Capital
Risk-Based Capital10.56%10.53%10.94%11.24%11.32%11.14%11.06%10.91%-33 bps
Net Worth / Assets10.56%10.53%10.94%11.24%11.32%11.14%11.06%10.91%-33 bps
Liquidity & Funding
Loans / Shares80.37%80.80%82.79%79.86%78.10%78.10%73.84%74.58%-528 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps