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Itt Employees Fort Wayne Div

Fort Wayne, IN · Charter 379

Q2 2014

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: Q2 2014, the quarter ended June 30, 2014, 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

Itt Employees Fort Wayne Div

Fort Wayne, IN · Charter 379

Q2 2014

$33.8MAssets
$8.9MLoans
$30.8MShares
$3.1MNet Worth

Executive Summary

  • Earnings: ROA of -2.08%, down 209 bps year over year; NIM at 1.97%.
  • Asset quality: problem loans at 0.39% of loans (-53 bps YoY).
  • Capital: net worth / assets of 9.22%, down 47 bps from a year ago.
  • Funding: loans stand at 28.72% of shares as of Q2 2014.

Return on Assets (YTD, annualized)

-2.08%-209 bps YoY

Net Interest Margin (YTD, annualized)

1.97%-2 bps YoY

Efficiency Ratio (YTD, annualized)

187.08%+9,098 bps YoY

Net Worth / Assets

9.22%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.08%0.00%-0.06%0.01%-0.03%-0.08%-0.13%-2.08%-209 bps
Return on Equity0.86%0.02%-0.67%0.06%-0.34%-0.80%-1.43%-22.58%-2,265 bps
Net Interest Margin2.03%2.17%1.91%1.99%1.95%2.00%1.82%1.97%-2 bps
Efficiency Ratio95.32%96.68%98.72%96.10%98.00%99.20%106.20%187.08%+9,098 bps
Growth
Asset Growth (YoY)7.87%5.87%2.63%2.13%-1.45%1.02%0.21%-6.32%-846 bps
Loan Growth (YoY)-4.09%-5.62%-4.94%-7.18%-5.16%-5.16%-6.24%-7.52%-34 bps
Share Growth (YoY)8.52%6.45%3.00%3.68%-0.69%2.49%1.20%-6.10%-978 bps
Asset Quality
Delinquent Loans / Loans0.86%1.63%1.17%0.92%0.68%0.54%0.60%0.39%-53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.76%0.88%0.89%0.88%0.88%0.84%1.00%0.84%-4 bps
Capital
Risk-Based Capital9.52%10.04%9.32%9.70%9.58%9.85%9.21%9.22%-47 bps
Net Worth / Assets9.52%10.04%9.32%9.70%9.58%9.85%9.21%9.22%-47 bps
Liquidity & Funding
Loans / Shares30.89%32.38%28.49%29.16%29.50%29.96%26.39%28.72%-44 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps