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G.I.C.

Euclid, OH · Charter 1193

Q3 2012

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 2012, the quarter ended September 30, 2012, 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

G.I.C.

Euclid, OH · Charter 1193

Q3 2012

$15.5MAssets
$2.0MLoans
$13.3MShares
$2.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.83%, up 8 bps year over year; NIM at 2.32%.
  • Asset quality: problem loans at 2.50% of loans (+56 bps YoY).
  • Capital: net worth / assets of 14.41%, up 68 bps from a year ago.
  • Funding: loans stand at 15.12% of shares as of Q3 2012.

Return on Assets (YTD, annualized)

0.83%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.32%-20 bps YoY

Efficiency Ratio (YTD, annualized)

71.63%+311 bps YoY

Net Worth / Assets

14.41%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.91%1.07%0.99%0.75%0.78%0.88%0.90%0.83%+8 bps
Return on Equity6.63%7.66%7.14%5.46%5.65%6.44%6.40%5.74%+28 bps
Net Interest Margin2.69%2.49%2.54%2.52%2.47%2.31%2.36%2.32%-20 bps
Efficiency Ratio65.32%60.23%60.22%68.52%69.59%66.06%68.86%71.63%+311 bps
Growth
Asset Growth (YoY)9.29%8.92%8.77%7.55%8.07%8.11%4.53%1.62%-593 bps
Loan Growth (YoY)-14.96%-24.24%-13.68%-10.10%-7.12%4.55%-4.83%-5.75%+435 bps
Share Growth (YoY)9.27%8.55%8.28%7.15%8.11%8.53%4.36%0.78%-637 bps
Asset Quality
Delinquent Loans / Loans0.83%3.92%2.78%1.95%2.73%2.32%2.34%2.50%+56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.21%2.67%2.04%2.04%2.07%2.49%2.55%2.57%+53 bps
Capital
Risk-Based Capital13.67%13.92%13.91%13.72%13.74%13.60%14.05%14.41%+68 bps
Net Worth / Assets13.67%13.92%13.91%13.72%13.74%13.60%14.05%14.41%+68 bps
Liquidity & Funding
Loans / Shares18.46%15.56%16.43%16.17%15.86%14.99%14.98%15.12%-105 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps