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Valley Council

Cincinnati, OH · Charter 63510

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

Valley Council

Cincinnati, OH · Charter 63510

Q1 2013

$4.7MAssets
$2.8MLoans
$4.1MShares
$564KNet Worth

Executive Summary

  • Earnings: ROA of 0.17%, down 29 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.65% of loans (+51 bps YoY).
  • Capital: net worth / assets of 11.96%, down 21 bps from a year ago.
  • Funding: loans stand at 68.14% of shares as of Q1 2013.

Return on Assets (YTD, annualized)

0.17%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.03%-60 bps YoY

Efficiency Ratio (YTD, annualized)

94.84%+661 bps YoY

Net Worth / Assets

11.96%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.17%0.06%0.14%0.46%0.40%0.44%0.35%0.17%-29 bps
Return on Equity1.30%0.47%1.12%3.75%3.31%3.74%2.88%1.42%-233 bps
Net Interest Margin3.70%3.61%3.62%3.63%3.58%3.41%3.50%3.03%-60 bps
Efficiency Ratio91.59%95.76%94.30%88.23%89.44%87.86%90.53%94.84%+661 bps
Growth
Asset Growth (YoY)9.31%9.37%9.94%7.42%8.20%9.52%5.05%4.18%-324 bps
Loan Growth (YoY)10.60%8.26%3.14%3.68%-0.31%2.27%-7.83%-6.07%-976 bps
Share Growth (YoY)10.77%11.62%12.21%9.00%9.46%9.82%5.24%4.07%-493 bps
Asset Quality
Delinquent Loans / Loans0.10%0.16%0.15%0.14%0.00%0.00%0.00%0.65%+51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.34%0.34%0.33%0.33%0.20%0.20%0.23%0.23%-10 bps
Capital
Risk-Based Capital12.81%12.39%12.45%12.17%12.09%11.73%12.20%11.96%-21 bps
Net Worth / Assets12.81%12.39%12.45%12.17%12.09%11.73%12.20%11.96%-21 bps
Liquidity & Funding
Loans / Shares79.85%76.82%78.94%75.49%72.72%71.54%69.14%68.14%-736 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps