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Hambuco

Fairfield, OH · Charter 1278

Q3 2001

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 2001, the quarter ended September 30, 2001, 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

Hambuco

Fairfield, OH · Charter 1278

Q3 2001

$67.7MAssets
$51.3MLoans
$61.7MShares
$5.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.16%, down 20 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 1.00% of loans (-23 bps YoY).
  • Capital: net worth / assets of 8.20%.
  • Funding: loans stand at 83.26% of shares as of Q3 2001.

Return on Assets (YTD, annualized)

0.16%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-23 bps YoY

Efficiency Ratio (YTD, annualized)

91.30%-111 bps YoY

Net Worth / Assets

8.20%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.22%0.07%0.33%0.36%0.27%-0.18%0.04%0.16%-20 bps
Return on Equityn/an/an/an/a3.00%-2.16%0.48%1.90%n/a
Net Interest Margin4.19%4.02%4.03%3.93%3.72%3.68%3.72%3.70%-23 bps
Efficiency Ratio87.10%90.68%93.71%92.41%92.52%96.21%93.05%91.30%-111 bps
Growth
Asset Growth (YoY)-0.65%3.91%0.40%6.30%14.42%16.30%19.63%19.57%+1,327 bps
Loan Growth (YoY)3.43%8.65%12.66%19.58%27.30%28.43%23.51%15.50%-407 bps
Share Growth (YoY)-0.96%4.29%0.32%7.10%15.75%17.38%21.27%22.01%+1,492 bps
Asset Quality
Delinquent Loans / Loans1.21%0.77%1.22%1.23%1.03%0.93%0.81%1.00%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.74%0.82%0.54%0.52%0.47%0.54%0.57%0.62%+11 bps
Capital
Risk-Based Capitaln/an/an/an/a8.98%8.38%8.31%8.20%n/a
Net Worth / Assetsn/an/an/an/a8.98%8.38%8.31%8.20%n/a
Liquidity & Funding
Loans / Shares79.30%76.23%84.24%87.95%87.21%83.41%85.79%83.26%-469 bps
Liquid Assets / Assets12.85%17.73%11.45%10.23%12.47%16.16%13.35%15.08%+485 bps