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Owosso Columbus

Owosso, MI · Charter 62440

Q4 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: Q4 2014, the quarter ended December 31, 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 2026-10-10

Owosso Columbus

Owosso, MI · Charter 62440

Q4 2014

$8.3MAssets
$4.9MLoans
$7.3MShares
$887KNet Worth

Executive Summary

  • Earnings: ROA of 0.14%, up 66 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.87% of loans (-36 bps YoY).
  • Capital: net worth / assets of 10.64%, down 35 bps from a year ago.
  • Funding: loans stand at 67.52% of shares as of Q4 2014.

Return on Assets (YTD, annualized)

0.14%+66 bps YoY

Net Interest Margin (YTD, annualized)

2.59%+54 bps YoY

Efficiency Ratio (YTD, annualized)

95.80%-2,380 bps YoY

Net Worth / Assets

10.64%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.63%-0.80%-0.66%-0.53%-0.20%0.02%0.17%0.14%+66 bps
Return on Equity-5.45%-7.21%-5.74%-4.78%-2.06%0.15%1.64%1.29%+607 bps
Net Interest Margin1.96%1.94%2.09%2.05%2.04%2.29%2.55%2.59%+54 bps
Efficiency Ratio123.13%131.38%124.07%119.59%107.79%99.48%94.60%95.80%-2,380 bps
Growth
Asset Growth (YoY)7.89%3.16%3.86%7.77%14.73%6.65%9.26%4.66%-311 bps
Loan Growth (YoY)9.98%15.30%35.05%45.96%69.57%72.13%57.96%49.95%+399 bps
Share Growth (YoY)8.21%5.16%4.07%9.03%17.46%7.48%11.39%3.06%-597 bps
Asset Quality
Delinquent Loans / Loans0.41%0.36%0.39%1.22%1.03%0.79%1.42%0.87%-36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.89%0.81%0.83%0.80%0.71%0.62%0.57%0.13%-66 bps
Capital
Risk-Based Capital11.48%11.04%11.51%10.99%9.63%10.24%10.62%10.64%-35 bps
Net Worth / Assets11.48%11.04%11.51%10.99%9.63%10.24%10.62%10.64%-35 bps
Liquidity & Funding
Loans / Shares32.20%36.32%45.58%46.41%46.48%58.17%64.64%67.52%+2,111 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps