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Williams Employees

Tulsa, OK · Charter 63700

Q3 2007

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: Q3 2007, the quarter ended September 30, 2007, 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

Williams Employees

Tulsa, OK · Charter 63700

Q3 2007

$74.6MAssets
$54.2MLoans
$65.1MShares
$8.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.46%, up 44 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.65% of loans (+4 bps YoY).
  • Capital: net worth / assets of 11.46%, up 37 bps from a year ago.
  • Funding: loans stand at 83.13% of shares as of Q3 2007.

Return on Assets (YTD, annualized)

0.46%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+27 bps YoY

Efficiency Ratio (YTD, annualized)

88.48%-1,100 bps YoY

Net Worth / Assets

11.46%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.12%0.32%0.10%0.03%0.41%0.25%0.41%0.46%+44 bps
Return on Equity1.12%3.20%0.93%0.24%3.36%2.35%3.70%4.06%+381 bps
Net Interest Margin3.31%3.18%3.43%3.58%3.88%3.44%3.73%3.85%+27 bps
Efficiency Ratio97.72%92.94%98.02%99.48%93.94%94.78%90.29%88.48%-1,100 bps
Growth
Asset Growth (YoY)9.57%10.45%4.39%-2.67%-10.30%-2.64%-2.14%2.81%+548 bps
Loan Growth (YoY)20.44%22.51%20.30%12.61%4.05%3.92%0.61%1.14%-1,147 bps
Share Growth (YoY)2.89%3.34%-1.24%0.33%-3.82%2.07%5.45%8.27%+793 bps
Asset Quality
Delinquent Loans / Loans1.03%0.85%0.45%0.61%0.81%0.59%0.83%0.65%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.04%0.99%0.88%0.83%0.70%0.64%0.59%0.59%-23 bps
Capital
Risk-Based Capital10.61%9.93%10.33%11.09%12.24%10.53%11.06%11.46%+37 bps
Net Worth / Assets10.61%9.93%10.33%11.09%12.24%10.53%11.06%11.46%+37 bps
Liquidity & Funding
Loans / Shares79.68%73.23%82.38%88.99%86.20%74.56%78.61%83.13%-586 bps
Liquid Assets / Assets20.01%28.66%0.00%0.00%0.00%0.00%0.00%0.00%0 bps