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Hicksville Antwerp

Hicksville, OH · Charter 6124

Q4 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: Q4 2008, the quarter ended December 31, 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 2026-10-10

Hicksville Antwerp

Hicksville, OH · Charter 6124

Q4 2008

$264KAssets
$47KLoans
$239KShares
$25KNet 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 -3.26%, up 424 bps year over year; NIM at -0.51%.
  • Asset quality: problem loans at 8.52% of loans (+852 bps YoY).
  • Capital: net worth / assets of 9.43%, down 164 bps from a year ago.
  • Funding: loans stand at 19.62% of shares as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

-3.26%+424 bps YoY

Net Interest Margin (YTD, annualized)

-0.51%-303 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

9.43%-164 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets-7.50%-2.51%-1.14%-1.44%-3.26%+424 bps
Return on Equity-67.79%-22.25%-9.89%-12.60%-34.57%+3,323 bps
Net Interest Margin2.52%-0.59%1.40%1.55%-0.51%-303 bps
Efficiency Ratio97.78%n/a181.09%174.00%n/an/a
Growth
Asset Growth (YoY)-17.59%-20.88%-23.87%-19.41%-12.80%+479 bps
Loan Growth (YoY)-60.11%-58.95%-58.88%-49.74%-32.40%+2,771 bps
Share Growth (YoY)-13.61%-16.74%-20.34%-13.48%-10.90%+271 bps
Asset Quality
Delinquent Loans / Loans0.00%19.21%14.68%15.50%8.52%+852 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.15%3.57%3.92%5.41%6.16%+301 bps
Capital
Risk-Based Capital11.07%11.29%11.50%11.47%9.43%-164 bps
Net Worth / Assets11.07%11.29%11.50%11.47%9.43%-164 bps
Liquidity & Funding
Loans / Shares25.86%24.79%22.74%22.61%19.62%-624 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps