Midwest City, OK · Charter 62823
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Midwest City, OK · Charter 62823
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.63% | -1.42% | -1.03% | 0.01% | 0.01% | -0.34% | -0.27% | -0.41% | -41 bps | |
| Return on Equity | -32.87% | -29.02% | -20.72% | 0.19% | 0.27% | -7.20% | -5.69% | -8.80% | -899 bps | |
| Net Interest Margin | 3.02% | 3.12% | 3.11% | 2.69% | 2.50% | 2.61% | 2.59% | 2.15% | -54 bps | |
| Efficiency Ratio | 91.96% | 94.01% | 93.73% | 96.54% | 96.40% | 98.28% | 98.47% | 108.62% | +1,208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.71% | 3.11% | 1.84% | 1.72% | 2.99% | -0.69% | -1.69% | -3.31% | -504 bps | |
| Loan Growth (YoY) | -14.53% | -12.37% | -8.91% | -12.59% | -13.20% | -18.43% | -22.25% | -20.23% | -764 bps | |
| Share Growth (YoY) | 9.11% | 4.48% | 2.90% | 2.30% | 3.13% | -0.34% | -1.23% | -3.47% | -577 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.86% | 2.25% | 2.42% | 1.88% | 1.32% | 0.48% | 1.47% | 1.79% | -9 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 | 1.59% | 1.62% | 1.57% | 1.37% | 0.91% | 1.23% | 1.40% | 1.38% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.96% | 4.88% | 4.97% | 4.81% | 4.65% | 4.71% | 4.78% | 4.61% | -21 bps | |
| Net Worth / Assets | 4.96% | 4.88% | 4.97% | 4.81% | 4.65% | 4.71% | 4.78% | 4.61% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.43% | 43.42% | 42.70% | 38.01% | 35.71% | 35.53% | 33.61% | 31.41% | -660 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |