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Burgess & Niple Employees

Columbus, OH · Charter 63514

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

Burgess & Niple Employees

Columbus, OH · Charter 63514

Q1 2013

$2.0MAssets
$633KLoans
$1.9MShares
$128KNet 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 -2.69%, down 119 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.49% of loans (-225 bps YoY).
  • Capital: net worth / assets of 6.44%, down 65 bps from a year ago.
  • Funding: loans stand at 34.21% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-2.69%-119 bps YoY

Net Interest Margin (YTD, annualized)

2.65%0 bps YoY

Efficiency Ratio (YTD, annualized)

197.52%+4,239 bps YoY

Net Worth / Assets

6.44%-65 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-1.50%-1.13%-0.95%-0.93%-2.69%-119 bps
Return on Equity-21.12%-17.08%-14.31%-13.17%-41.76%-2,064 bps
Net Interest Margin2.66%2.43%2.46%2.67%2.65%0 bps
Efficiency Ratio155.13%145.56%137.41%133.87%197.52%+4,239 bps
Growth
Asset Growth (YoY)-5.26%-4.52%-0.01%-3.30%-7.29%-202 bps
Loan Growth (YoY)-11.21%-25.91%-23.42%-14.57%-5.00%+621 bps
Share Growth (YoY)-4.74%-3.78%0.92%-2.59%-6.68%-194 bps
Asset Quality
Delinquent Loans / Loans2.73%2.22%1.56%1.14%0.49%-225 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.85%2.20%1.53%1.57%1.30%-55 bps
Capital
Risk-Based Capital7.09%6.61%6.64%7.04%6.44%-65 bps
Net Worth / Assets7.09%6.61%6.64%7.04%6.44%-65 bps
Liquidity & Funding
Loans / Shares33.61%28.45%31.30%35.46%34.21%+60 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps