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Whitehall

Columbus, OH · Charter 64674

Q3 2009

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 2009, the quarter ended September 30, 2009, 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

Whitehall

Columbus, OH · Charter 64674

Q3 2009

$17.1MAssets
$7.2MLoans
$14.6MShares
$2.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.76%, up 64 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.48% of loans (-75 bps YoY).
  • Capital: net worth / assets of 14.40%, down 68 bps from a year ago.
  • Funding: loans stand at 49.56% of shares as of Q3 2009.

Return on Assets (YTD, annualized)

0.76%+64 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-41 bps YoY

Efficiency Ratio (YTD, annualized)

87.04%-822 bps YoY

Net Worth / Assets

14.40%-68 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets0.58%0.19%0.04%0.12%0.10%0.11%1.24%0.76%+64 bps
Return on Equity3.45%1.22%0.24%0.77%0.64%0.77%8.62%5.26%+449 bps
Net Interest Margin4.59%4.01%3.81%3.78%3.73%3.43%3.34%3.37%-41 bps
Efficiency Ratio89.84%95.55%94.70%95.27%97.91%103.21%79.24%87.04%-822 bps
Growth
Asset Growth (YoY)-1.04%1.28%7.53%10.89%11.45%8.11%5.03%4.46%-642 bps
Loan Growth (YoY)1.57%0.23%0.29%-0.45%-5.38%-4.15%-4.99%-2.73%-228 bps
Share Growth (YoY)-1.96%1.04%8.72%12.82%13.74%9.90%5.67%5.05%-777 bps
Asset Quality
Delinquent Loans / Loans2.08%1.84%1.15%1.23%0.72%0.99%1.01%0.48%-75 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.73%0.69%0.71%0.72%0.57%0.53%0.37%0.25%-47 bps
Capital
Risk-Based Capital16.75%15.61%14.94%15.09%15.12%13.98%14.38%14.40%-68 bps
Net Worth / Assets16.75%15.61%14.94%15.09%15.12%13.98%14.38%14.40%-68 bps
Liquidity & Funding
Loans / Shares64.42%57.30%54.44%53.52%53.59%49.98%48.95%49.56%-396 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps