PackageTrendsPeer
Letter portraitLegal landscape

City County Employees

Chillicothe, OH · Charter 17926

Q4 2009

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 2009, the quarter ended December 31, 2009, 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

City County Employees

Chillicothe, OH · Charter 17926

Q4 2009

$540KAssets
$146KLoans
$476KShares
$63KNet Worth

Executive Summary

  • Earnings: ROA of -2.75%, down 581 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.61%, down 177 bps from a year ago.
  • Funding: loans stand at 30.74% of shares as of Q4 2009.

Return on Assets (YTD, annualized)

-2.75%-581 bps YoY

Net Interest Margin (YTD, annualized)

2.43%-114 bps YoY

Efficiency Ratio (YTD, annualized)

256%+11,155 bps YoY

Net Worth / Assets

11.61%-177 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-1.46%5.81%4.22%3.06%-2.55%-2.20%-1.66%-2.75%-581 bps
Return on Equity-13.53%44.59%31.61%22.89%-20.77%-19.90%-15.01%-23.66%-4,655 bps
Net Interest Margin4.59%3.75%3.63%3.57%2.62%2.14%2.33%2.43%-114 bps
Efficiency Ratio131.60%138.14%135.37%144.85%265%253%223%256%+11,155 bps
Growth
Asset Growth (YoY)-0.26%13.75%13.88%12.71%11.99%7.80%7.13%5.67%-704 bps
Loan Growth (YoY)-32.49%-29.98%-28.05%-23.48%-20.42%-4.06%8.16%7.41%+3,089 bps
Share Growth (YoY)0.25%13.16%12.21%10.46%10.08%9.98%9.82%7.85%-261 bps
Asset Quality
Delinquent Loans / Loans1.52%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans16.79%6.87%7.45%7.84%7.67%6.39%7.68%0.00%-784 bps
Capital
Risk-Based Capital10.77%13.02%13.36%13.38%12.25%11.07%11.09%11.61%-177 bps
Net Worth / Assets10.77%13.02%13.36%13.38%12.25%11.07%11.09%11.61%-177 bps
Liquidity & Funding
Loans / Shares36.95%32.03%31.09%30.87%26.71%27.94%30.62%30.74%-13 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps