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Wickiffe Paper Mill

Wickliffe, KY · Charter 20218

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

Wickiffe Paper Mill

Wickliffe, KY · Charter 20218

Q4 2015

$7.6MAssets
$2.8MLoans
$6.4MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.02%, down 8 bps year over year; NIM at 2.37%.
  • Asset quality: problem loans at 0.17% of loans (-21 bps YoY).
  • Capital: net worth / assets of 16.17%, up 77 bps from a year ago.
  • Funding: loans stand at 43.86% of shares as of Q4 2015.

Return on Assets (YTD, annualized)

0.02%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.37%+15 bps YoY

Efficiency Ratio (YTD, annualized)

99.24%+308 bps YoY

Net Worth / Assets

16.17%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.26%0.23%0.19%0.11%0.05%0.14%0.11%0.02%-8 bps
Return on Equity1.76%1.59%1.28%0.69%0.30%0.95%0.66%0.14%-55 bps
Net Interest Margin2.25%2.18%2.23%2.23%2.28%2.22%2.35%2.37%+15 bps
Efficiency Ratio90.33%91.11%92.92%96.16%98.30%94.71%96.35%99.24%+308 bps
Growth
Asset Growth (YoY)-3.88%-1.14%-3.16%-4.95%-3.34%-1.54%-4.57%-4.65%+30 bps
Loan Growth (YoY)-3.96%-0.33%-4.19%-1.35%-1.50%1.54%-2.16%-14.19%-1,284 bps
Share Growth (YoY)-4.63%-1.38%-3.85%-5.91%-4.06%-2.04%-5.34%-5.51%+40 bps
Asset Quality
Delinquent Loans / Loans0.92%0.44%0.50%0.38%0.76%0.30%0.29%0.17%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.53%0.53%0.62%0.61%0.63%0.60%0.65%0.61%0 bps
Capital
Risk-Based Capital14.68%14.78%15.17%15.40%15.24%15.06%15.93%16.17%+77 bps
Net Worth / Assets14.68%14.78%15.17%15.40%15.24%15.06%15.93%16.17%+77 bps
Liquidity & Funding
Loans / Shares45.47%47.31%47.00%48.30%46.68%49.04%48.58%43.86%-444 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps