PackageTrendsPeer
Letter portraitLegal landscape

Fairfield County Ohio Federal Emp

Lancaster, OH · Charter 11642

Q3 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: Q3 2009, the quarter ended September 30, 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

Fairfield County Ohio Federal Emp

Lancaster, OH · Charter 11642

Q3 2009

$1.5MAssets
$1.0MLoans
$2.2MShares
$-731KNet Worth

Executive Summary

  • Earnings: ROA of -91.96%, down 9,178 bps year over year; NIM at 1.58%.
  • Asset quality: problem loans at 28.19% of loans (+2,731 bps YoY).
  • Capital: net worth / assets of -49.79%, down 7,122 bps from a year ago.
  • Funding: loans stand at 45.63% of shares as of Q3 2009.

Return on Assets (YTD, annualized)

-91.96%-9,178 bps YoY

Net Interest Margin (YTD, annualized)

1.58%-107 bps YoY

Efficiency Ratio (YTD, annualized)

5931%+582,486 bps YoY

Net Worth / Assets

-49.79%-7,122 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets1.76%0.43%1.09%-0.18%-0.13%65.57%1.09%-91.96%-9,178 bps
Return on Equity8.17%1.91%5.14%-0.82%-0.61%74.07%5.14%n/an/a
Net Interest Margin4.62%3.97%3.69%2.64%1.94%26.23%3.69%1.58%-107 bps
Efficiency Ratio61.83%89.29%70.41%106.63%106.62%0.00%70.41%5931%+582,486 bps
Growth
Asset Growth (YoY)-11.12%-12.83%-6.94%-5.38%3.16%-100.00%0.00%12.11%+1,750 bps
Loan Growth (YoY)-12.88%-22.95%-22.82%-19.67%-13.35%-100.00%0.00%-6.96%+1,272 bps
Share Growth (YoY)-20.43%-22.48%-13.23%-1.45%8.25%-100.00%0.00%116.54%+11,799 bps
Asset Quality
Delinquent Loans / Loans0.80%0.89%0.87%0.88%0.88%0.00%0.00%28.19%+2,731 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.37%2.69%2.73%2.74%0.12%10.00%2.73%2.94%+20 bps
Capital
Risk-Based Capital21.58%22.25%21.27%21.42%20.97%88.52%21.27%-49.79%-7,122 bps
Net Worth / Assets21.58%22.25%21.27%21.42%20.97%88.52%21.27%-49.79%-7,122 bps
Liquidity & Funding
Loans / Shares132.66%121.57%112.39%106.19%106.19%200%112.39%45.63%-6,056 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps