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West Ohio United Methodist

Cincinnati, OH · Charter 63515

Q2 2012

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: Q2 2012, the quarter ended June 30, 2012, 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

West Ohio United Methodist

Cincinnati, OH · Charter 63515

Q2 2012

$23.8MAssets
$8.6MLoans
$21.5MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of -0.57%, down 36 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.37% of loans (-14 bps YoY).
  • Capital: net worth / assets of 9.47%, down 205 bps from a year ago.
  • Funding: loans stand at 40.12% of shares as of Q2 2012.

Return on Assets (YTD, annualized)

-0.57%-36 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-41 bps YoY

Efficiency Ratio (YTD, annualized)

108.24%+988 bps YoY

Net Worth / Assets

9.47%-205 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.60%-0.15%-0.16%-0.22%-0.20%0.02%-0.06%-0.57%-36 bps
Return on Equity-4.87%-1.23%-1.39%-1.88%-1.72%0.15%-0.63%-6.05%-417 bps
Net Interest Margin3.48%3.61%3.20%3.36%3.44%3.30%3.11%2.96%-41 bps
Efficiency Ratio110.90%94.37%103.80%98.36%98.89%95.10%101.57%108.24%+988 bps
Growth
Asset Growth (YoY)6.29%1.88%12.56%4.62%2.88%12.02%14.96%19.34%+1,472 bps
Loan Growth (YoY)10.08%16.10%0.75%-2.46%-0.06%-4.93%1.40%2.02%+448 bps
Share Growth (YoY)6.79%2.31%15.04%5.40%3.40%13.77%17.00%22.12%+1,672 bps
Asset Quality
Delinquent Loans / Loans1.05%0.64%1.00%0.51%0.58%0.18%0.36%0.37%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.48%0.55%0.63%0.67%0.63%0.58%0.62%0.71%+4 bps
Capital
Risk-Based Capital12.22%12.50%11.66%11.52%11.70%11.12%10.18%9.47%-205 bps
Net Worth / Assets12.22%12.50%11.66%11.52%11.70%11.12%10.18%9.47%-205 bps
Liquidity & Funding
Loans / Shares51.52%55.67%48.74%48.02%49.80%46.52%42.24%40.12%-791 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps