PackageTrendsPeer
Letter portraitLegal landscape

Countywide

Beavercreek, OH · Charter 14811

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Countywide

Beavercreek, OH · Charter 14811

Q4 2015

$13.5MAssets
$3.4MLoans
$11.6MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.13%, down 7 bps year over year; NIM at 2.22%.
  • Asset quality: problem loans at 0.85% of loans (+32 bps YoY).
  • Capital: net worth / assets of 9.33%, down 5 bps from a year ago.
  • Funding: loans stand at 29.57% of shares as of Q4 2015.

Return on Assets (YTD, annualized)

0.13%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.22%-6 bps YoY

Efficiency Ratio (YTD, annualized)

94.60%-1,065 bps YoY

Net Worth / Assets

9.33%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.24%0.46%0.40%0.20%0.36%0.33%0.37%0.13%-7 bps
Return on Equity2.53%4.86%4.22%2.14%3.84%3.50%3.83%1.42%-72 bps
Net Interest Margin2.22%2.23%2.23%2.28%2.26%2.21%2.31%2.22%-6 bps
Efficiency Ratio96.21%109.62%103.71%105.25%88.52%87.66%86.81%94.60%-1,065 bps
Growth
Asset Growth (YoY)-2.05%0.90%5.22%5.58%3.07%3.24%-1.82%2.02%-356 bps
Loan Growth (YoY)-1.65%-1.89%6.42%2.27%-3.44%-1.73%-9.96%-13.91%-1,618 bps
Share Growth (YoY)-2.10%1.10%5.40%4.79%2.95%3.69%-3.06%3.32%-147 bps
Asset Quality
Delinquent Loans / Loans0.65%0.65%0.64%0.52%0.82%0.47%0.51%0.85%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.77%0.61%0.51%0.56%0.60%0.62%0.62%0.44%-13 bps
Capital
Risk-Based Capital9.41%9.47%9.35%9.38%9.36%9.31%9.71%9.33%-5 bps
Net Worth / Assets9.41%9.47%9.35%9.38%9.36%9.31%9.71%9.33%-5 bps
Liquidity & Funding
Loans / Shares35.09%34.97%35.84%35.49%32.91%33.14%33.29%29.57%-592 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps