PackageTrendsPeer
Letter portraitLegal landscape

Tokheim Employees'

Fort Wayne, IN · Charter 62095

Q1 2003

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 2003, the quarter ended March 31, 2003, 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

Tokheim Employees'

Fort Wayne, IN · Charter 62095

Q1 2003

$2.8MAssets
$1.5MLoans
$2.3MShares
$508KNet 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 -0.55%, down 92 bps year over year; NIM at 5.02%.
  • Asset quality: problem loans at 1.94% of loans (+8 bps YoY).
  • Capital: net worth / assets of 18.28%, up 208 bps from a year ago.
  • Funding: loans stand at 64.90% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.55%-92 bps YoY

Net Interest Margin (YTD, annualized)

5.02%-39 bps YoY

Efficiency Ratio (YTD, annualized)

104.32%+1,007 bps YoY

Net Worth / Assets

18.28%+208 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets0.37%0.01%0.06%-0.20%-0.55%-92 bps
Return on Equity2.28%0.09%0.34%-1.10%-3.00%-528 bps
Net Interest Margin5.41%5.14%5.15%5.35%5.02%-39 bps
Efficiency Ratio94.25%99.77%99.05%97.30%104.32%+1,007 bps
Growth
Asset Growth (YoY)-8.01%-15.69%-10.69%-17.75%-16.30%-829 bps
Loan Growth (YoY)-19.71%-24.16%-27.35%-30.31%-28.37%-866 bps
Share Growth (YoY)-10.95%-18.84%-13.04%-20.69%-18.43%-748 bps
Asset Quality
Delinquent Loans / Loans1.86%0.77%4.75%3.39%1.94%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.82%1.04%0.77%0.00%-80 bps
Capital
Risk-Based Capital16.20%16.30%16.87%17.74%18.28%+208 bps
Net Worth / Assets16.20%16.30%16.87%17.74%18.28%+208 bps
Liquidity & Funding
Loans / Shares73.92%70.26%67.85%64.56%64.90%-901 bps
Liquid Assets / Assets32.12%16.01%38.87%31.76%33.35%+122 bps