PackageTrendsPeer
Letter portraitLegal landscape

B & O Painesville Employees

Grand River, OH · Charter 13141

Q4 2005

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 2005, the quarter ended December 31, 2005, 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

B & O Painesville Employees

Grand River, OH · Charter 13141

Q4 2005

$310KAssets
$150KLoans
$257KShares
$53KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.66%, down 179 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 8.15% of loans (-126 bps YoY).
  • Capital: net worth / assets of 17.00%, up 259 bps from a year ago.
  • Funding: loans stand at 58.21% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-1.66%-179 bps YoY

Net Interest Margin (YTD, annualized)

4.80%+99 bps YoY

Efficiency Ratio (YTD, annualized)

104.31%+1,951 bps YoY

Net Worth / Assets

17.00%+259 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.13%0.23%0.27%-0.90%-1.66%-179 bps
Return on Equity0.91%1.52%1.68%-5.86%-9.75%-1,066 bps
Net Interest Margin3.81%3.92%4.08%4.13%4.80%+99 bps
Efficiency Ratio84.80%94.15%81.56%81.42%104.31%+1,951 bps
Growth
Asset Growth (YoY)4.47%-1.94%-4.30%-12.33%-22.76%-2,723 bps
Loan Growth (YoY)-17.77%-15.47%-14.02%-23.81%-26.08%-831 bps
Share Growth (YoY)5.09%-2.37%-5.23%-13.56%-25.12%-3,021 bps
Asset Quality
Delinquent Loans / Loans9.41%14.00%12.15%8.14%8.15%-126 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.86%1.11%1.47%1.73%1.98%+112 bps
Capital
Risk-Based Capital14.41%15.03%15.78%15.42%17.00%+259 bps
Net Worth / Assets14.41%15.03%15.78%15.42%17.00%+259 bps
Liquidity & Funding
Loans / Shares58.97%56.17%59.63%54.75%58.21%-75 bps
Liquid Assets / Assets47.34%50.98%48.65%52.55%50.41%+307 bps