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Osnova Ukrainian

Parma, OH · Charter 62889

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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

Osnova Ukrainian

Parma, OH · Charter 62889

Q3 2002

$4.4MAssets
$2.0MLoans
$3.9MShares
$501KNet Worth

Executive Summary

  • Earnings: ROA of 0.49%, down 21 bps year over year; NIM at 2.42%.
  • Asset quality: problem loans at 0.16% of loans (-21 bps YoY).
  • Capital: net worth / assets of 11.40%, down 101 bps from a year ago.
  • Funding: loans stand at 51.62% of shares as of Q3 2002.

Return on Assets (YTD, annualized)

0.49%-21 bps YoY

Net Interest Margin (YTD, annualized)

2.42%-9 bps YoY

Efficiency Ratio (YTD, annualized)

77.29%+1,110 bps YoY

Net Worth / Assets

11.40%-101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets3.69%0.70%0.40%0.70%0.01%0.10%0.32%0.49%-21 bps
Return on Equityn/an/an/a5.61%0.09%0.88%2.88%4.30%-131 bps
Net Interest Marginn/a2.50%2.68%2.51%2.21%2.08%2.22%2.42%-9 bps
Efficiency Ration/a72.32%69.31%66.20%80.17%85.56%82.06%77.29%+1,110 bps
Growth
Asset Growth (YoY)46.28%32.29%28.08%31.22%22.10%23.87%24.46%13.26%-1,796 bps
Loan Growth (YoY)70.99%81.54%33.48%38.96%36.92%22.82%17.13%-10.83%-4,979 bps
Share Growth (YoY)52.90%35.72%31.14%32.72%21.99%24.25%25.62%16.09%-1,663 bps
Asset Quality
Delinquent Loans / Loans0.27%0.62%0.75%0.36%0.20%0.35%0.15%0.16%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.25%0.32%0.33%0.26%0.34%0.34%0.27%0.31%+5 bps
Capital
Risk-Based Capitaln/an/an/a12.41%11.86%11.45%11.19%11.40%-101 bps
Net Worth / Assetsn/an/an/a12.41%11.86%11.45%11.19%11.40%-101 bps
Liquidity & Funding
Loans / Shares57.10%60.75%56.86%67.20%64.09%60.06%53.01%51.62%-1,558 bps
Liquid Assets / Assets38.22%40.52%37.01%37.03%33.52%29.61%19.46%23.01%-1,403 bps