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Corpus Christi Dayton

Dayton, OH · Charter 3724

Q4 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: Q4 2005, the quarter ended December 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

Corpus Christi Dayton

Dayton, OH · Charter 3724

Q4 2005

$2.4MAssets
$1.2MLoans
$2.2MShares
$253KNet Worth

Executive Summary

  • Earnings: ROA of 0.04%, down 32 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 2.27% of loans (+107 bps YoY).
  • Capital: net worth / assets of 10.40%, down 308 bps from a year ago.
  • Funding: loans stand at 54.83% of shares as of Q4 2005.

Return on Assets (YTD, annualized)

0.04%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.15%-20 bps YoY

Efficiency Ratio (YTD, annualized)

97.02%+1,010 bps YoY

Net Worth / Assets

10.40%-308 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.47%0.39%0.38%0.36%0.10%0.16%0.21%0.04%-32 bps
Return on Equity3.71%3.13%2.93%2.71%0.73%1.19%1.61%0.41%-230 bps
Net Interest Margin3.44%3.26%3.25%3.35%2.98%3.00%3.01%3.15%-20 bps
Efficiency Ratio86.57%87.77%87.58%86.92%95.70%93.21%90.93%97.02%+1,010 bps
Growth
Asset Growth (YoY)-6.05%-8.06%-6.80%-8.53%-4.94%-5.15%-2.83%-4.97%+356 bps
Loan Growth (YoY)6.23%-0.57%-3.51%-7.55%-11.19%-2.79%-5.50%-7.31%+23 bps
Share Growth (YoY)-7.43%-9.50%-8.13%-10.08%-5.99%-6.14%-4.71%-1.58%+849 bps
Asset Quality
Delinquent Loans / Loans2.29%2.40%0.75%1.20%1.97%1.60%1.59%2.27%+107 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.34%0.36%0.41%0.55%0.59%0.38%0.54%2.90%+235 bps
Capital
Risk-Based Capital12.74%12.60%12.85%13.48%13.67%13.52%13.12%10.40%-308 bps
Net Worth / Assets12.74%12.60%12.85%13.48%13.67%13.52%13.12%10.40%-308 bps
Liquidity & Funding
Loans / Shares59.63%58.44%59.33%58.22%56.34%60.52%58.83%54.83%-339 bps
Liquid Assets / Assets26.59%31.72%30.91%27.77%25.00%25.79%47.47%50.12%+2,235 bps