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Premix Employees

N. Kingsville, OH · Charter 21656

Q1 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: Q1 2005, the quarter ended March 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

Premix Employees

N. Kingsville, OH · Charter 21656

Q1 2005

$1.1MAssets
$667KLoans
$940KShares
$178KNet 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 -0.98%, down 218 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 0.55% of loans (-883 bps YoY).
  • Capital: net worth / assets of 15.84%, down 594 bps from a year ago.
  • Funding: loans stand at 71.03% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-0.98%-218 bps YoY

Net Interest Margin (YTD, annualized)

4.44%+15 bps YoY

Efficiency Ratio (YTD, annualized)

121.47%+4,812 bps YoY

Net Worth / Assets

15.84%-594 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets1.21%-4.74%-5.49%-5.09%-0.98%-218 bps
Return on Equity5.54%-33.42%-43.59%-35.87%-6.16%-1,170 bps
Net Interest Margin4.29%2.88%2.80%3.36%4.44%+15 bps
Efficiency Ratio73.34%80.19%131.76%132.20%121.47%+4,812 bps
Growth
Asset Growth (YoY)3.93%1.53%5.01%-10.12%-22.62%-2,655 bps
Loan Growth (YoY)-10.81%-19.20%-20.23%-14.49%4.71%+1,552 bps
Share Growth (YoY)6.38%11.47%18.84%-1.24%-16.75%-2,314 bps
Asset Quality
Delinquent Loans / Loans9.38%5.34%2.15%7.51%0.55%-883 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%3.93%6.12%6.49%6.38%+638 bps
Capital
Risk-Based Capital21.78%14.18%12.59%14.19%15.84%-594 bps
Net Worth / Assets21.78%14.18%12.59%14.19%15.84%-594 bps
Liquidity & Funding
Loans / Shares56.47%49.40%46.03%55.15%71.03%+1,456 bps
Liquid Assets / Assets49.86%56.53%59.95%51.92%39.94%-992 bps