McAlester, OK · Charter 64983
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
McAlester, OK · Charter 64983
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.19% | -0.19% | -0.49% | -0.94% | -0.88% | -0.86% | -0.77% | -0.91% | +3 bps | |
| Return on Equity | -5.81% | -0.95% | -2.44% | -4.89% | -4.57% | -4.55% | -4.10% | -4.05% | +84 bps | |
| Net Interest Margin | 2.28% | 2.14% | 2.06% | 2.09% | 2.05% | 1.63% | 1.82% | 2.28% | +19 bps | |
| Efficiency Ratio | 104.77% | 108.85% | 122.83% | 116.47% | 120.62% | 149.12% | 141.17% | 138.73% | +2,226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.96% | -4.77% | -1.11% | 1.84% | 2.03% | 2.67% | -0.09% | -17.56% | -1,940 bps | |
| Loan Growth (YoY) | -4.72% | -2.88% | -12.84% | -17.99% | -18.52% | -5.38% | 0.96% | 2.22% | +2,021 bps | |
| Share Growth (YoY) | -2.25% | -4.51% | -0.20% | 3.38% | 3.77% | 4.71% | 1.25% | -20.84% | -2,422 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.27% | 12.21% | 9.97% | 9.57% | 12.26% | 8.89% | 9.06% | 8.72% | -85 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 | 2.65% | 2.74% | 3.23% | 2.36% | 2.49% | 2.27% | 2.24% | 3.29% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.46% | 20.40% | 19.90% | 19.25% | 19.17% | 18.82% | 18.84% | 22.47% | +322 bps | |
| Net Worth / Assets | 20.46% | 20.40% | 19.90% | 19.25% | 19.17% | 18.82% | 18.84% | 22.47% | +322 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.55% | 37.27% | 34.67% | 31.81% | 30.27% | 33.68% | 34.57% | 41.07% | +927 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |