PackageTrendsPeer
Letter portraitLegal landscape

Foseco Employees

Brookpark, OH · Charter 22744

Q3 2008

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: Q3 2008, the quarter ended September 30, 2008, 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

Foseco Employees

Brookpark, OH · Charter 22744

Q3 2008

$621KAssets
$260KLoans
$495KShares
$123KNet Worth

Executive Summary

  • Earnings: ROA of 0.74%, up 13 bps year over year; NIM at 2.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.88%, down 68 bps from a year ago.
  • Funding: loans stand at 52.43% of shares as of Q3 2008.

Return on Assets (YTD, annualized)

0.74%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.21%-55 bps YoY

Efficiency Ratio (YTD, annualized)

58.80%+524 bps YoY

Net Worth / Assets

19.88%-68 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.23%0.40%0.78%0.61%0.57%-0.02%0.38%0.74%+13 bps
Return on Equity1.09%1.95%3.80%2.96%2.67%-0.09%1.91%3.73%+77 bps
Net Interest Margin1.82%3.20%3.00%2.76%2.80%2.80%2.21%2.21%-55 bps
Efficiency Ratio85.77%55.67%50.58%53.57%55.37%78.63%70.24%58.80%+524 bps
Growth
Asset Growth (YoY)-0.52%5.46%1.12%1.47%2.59%-1.16%4.92%6.90%+543 bps
Loan Growth (YoY)-19.51%-15.02%2.44%9.13%11.41%11.12%-2.03%-19.78%-2,891 bps
Share Growth (YoY)-1.35%6.58%0.51%0.85%2.58%-2.29%6.22%8.50%+765 bps
Asset Quality
Delinquent Loans / Loans0.00%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 / Loans0.60%0.13%0.42%0.66%1.01%1.36%1.36%1.52%+86 bps
Capital
Risk-Based Capital21.21%20.47%20.58%20.56%21.25%21.16%19.96%19.88%-68 bps
Net Worth / Assets21.21%20.47%20.58%20.56%21.25%21.16%19.96%19.88%-68 bps
Liquidity & Funding
Loans / Shares63.43%57.77%64.91%70.92%68.89%65.70%59.88%52.43%-1,849 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps