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Best Employees

Walton Hills, OH · Charter 11798

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

Best Employees

Walton Hills, OH · Charter 11798

Q4 2008

$36.4MAssets
$12.9MLoans
$31.0MShares
$5.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.04%, down 46 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 1.93% of loans (+16 bps YoY).
  • Capital: net worth / assets of 14.14%, down 32 bps from a year ago.
  • Funding: loans stand at 41.67% of shares as of Q4 2008.

Return on Assets (YTD, annualized)

0.04%-46 bps YoY

Net Interest Margin (YTD, annualized)

2.59%-38 bps YoY

Efficiency Ratio (YTD, annualized)

90.31%+755 bps YoY

Net Worth / Assets

14.14%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets0.37%0.55%0.51%0.50%-0.31%0.12%0.13%0.04%-46 bps
Return on Equity2.76%3.95%3.65%3.45%-2.21%0.82%0.91%0.30%-316 bps
Net Interest Margin2.73%2.92%2.96%2.96%2.71%2.64%2.69%2.59%-38 bps
Efficiency Ratio82.83%80.69%82.21%82.76%88.67%85.04%87.15%90.31%+755 bps
Growth
Asset Growth (YoY)2.63%0.71%3.09%0.65%-2.71%0.08%-0.87%2.60%+195 bps
Loan Growth (YoY)-3.99%-6.61%-7.65%-8.43%-6.92%-3.57%-0.65%1.98%+1,041 bps
Share Growth (YoY)2.31%-0.23%2.67%-0.18%-3.62%-0.13%-0.93%3.70%+388 bps
Asset Quality
Delinquent Loans / Loans2.54%1.48%2.02%1.77%2.63%1.19%1.74%1.93%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.78%0.85%0.94%0.74%1.28%0.63%0.60%0.44%-31 bps
Capital
Risk-Based Capital13.35%13.85%14.08%14.47%14.04%14.11%14.40%14.14%-32 bps
Net Worth / Assets13.35%13.85%14.08%14.47%14.04%14.11%14.40%14.14%-32 bps
Liquidity & Funding
Loans / Shares42.25%42.69%42.46%42.37%40.80%41.22%42.58%41.67%-70 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps