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Associated Blind of Oklahoma/Texas

Oklahoma City, OK · Charter 9074

Q4 2008

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: Q4 2008, the quarter ended December 31, 2008, 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

Associated Blind of Oklahoma/Texas

Oklahoma City, OK · Charter 9074

Q4 2008

$269KAssets
$153KLoans
$242KShares
$28KNet Worth

Executive Summary

  • Earnings: ROA of -12.00%, down 1,413 bps year over year; NIM at 10.07%.
  • Asset quality: problem loans at 13.88% of loans (+1,388 bps YoY).
  • Capital: net worth / assets of 10.29%, down 272 bps from a year ago.
  • Funding: loans stand at 63.36% of shares as of Q4 2008.

Return on Assets (YTD, annualized)

-12.00%-1,413 bps YoY

Net Interest Margin (YTD, annualized)

10.07%+179 bps YoY

Efficiency Ratio (YTD, annualized)

104.60%+3,032 bps YoY

Net Worth / Assets

10.29%-272 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets3.00%1.93%1.43%2.13%-10.86%-17.51%-16.97%-12.00%-1,413 bps
Return on Equity23.13%15.48%10.75%16.37%-79.25%-436%-734%-116.64%-13,301 bps
Net Interest Margin8.82%7.25%7.38%8.28%3.82%8.04%7.89%10.07%+179 bps
Efficiency Ratio70.47%73.40%80.65%74.28%385%122.98%168.25%104.60%+3,032 bps
Growth
Asset Growth (YoY)28.24%52.64%35.87%40.04%13.03%5.86%0.03%-28.00%-6,805 bps
Loan Growth (YoY)123.46%121.08%118.12%68.60%22.93%7.07%-25.65%-52.68%-12,128 bps
Share Growth (YoY)35.87%63.57%40.39%28.22%5.41%15.76%13.91%-14.15%-4,237 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%8.62%51.90%13.88%+1,388 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans6.08%5.48%4.41%4.95%2.24%3.25%31.59%11.72%+677 bps
Capital
Risk-Based Capital12.98%12.46%13.28%13.01%13.71%4.02%2.31%10.29%-272 bps
Net Worth / Assets12.98%12.46%13.28%13.01%13.71%4.02%2.31%10.29%-272 bps
Liquidity & Funding
Loans / Shares98.62%89.86%116.39%114.95%115.01%83.11%75.97%63.36%-5,159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps