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Tool Steel

Cincinnati, OH · Charter 63160

Q1 2013

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 2013, the quarter ended March 31, 2013, 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

Tool Steel

Cincinnati, OH · Charter 63160

Q1 2013

$8.8MAssets
$1.4MLoans
$7.7MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.45%, up 20 bps year over year; NIM at 1.17%.
  • Asset quality: problem loans at 2.58% of loans (-145 bps YoY).
  • Capital: net worth / assets of 12.23%, up 11 bps from a year ago.
  • Funding: loans stand at 18.66% of shares as of Q1 2013.

Return on Assets (YTD, annualized)

0.45%+20 bps YoY

Net Interest Margin (YTD, annualized)

1.17%-4 bps YoY

Efficiency Ratio (YTD, annualized)

55.92%-1,783 bps YoY

Net Worth / Assets

12.23%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.14%0.20%0.07%0.25%0.13%0.18%0.13%0.45%+20 bps
Return on Equity1.19%1.62%0.59%2.05%1.08%1.56%1.11%3.64%+159 bps
Net Interest Margin1.08%1.15%1.19%1.21%0.98%1.03%0.97%1.17%-4 bps
Efficiency Ratio80.40%77.04%78.46%73.74%80.35%76.02%79.65%55.92%-1,783 bps
Growth
Asset Growth (YoY)5.46%2.21%2.38%0.47%1.32%3.46%1.95%-0.39%-86 bps
Loan Growth (YoY)-18.02%-11.80%-11.33%-1.71%5.61%3.80%3.15%-6.36%-464 bps
Share Growth (YoY)6.40%2.59%2.81%0.37%1.49%3.77%2.00%-0.56%-94 bps
Asset Quality
Delinquent Loans / Loans4.39%4.09%3.33%4.03%3.92%4.66%3.59%2.58%-145 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.19%2.25%2.57%2.61%2.60%2.69%1.78%2.02%-59 bps
Capital
Risk-Based Capital12.07%12.05%12.22%12.12%11.90%11.75%12.00%12.23%+11 bps
Net Worth / Assets12.07%12.05%12.22%12.12%11.90%11.75%12.00%12.23%+11 bps
Liquidity & Funding
Loans / Shares19.48%19.86%19.68%19.81%20.27%19.87%19.90%18.66%-115 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps