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Tri-State

Midland, PA · Charter 650

Q1 2014

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 2014, the quarter ended March 31, 2014, 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

Tri-State

Midland, PA · Charter 650

Q1 2014

$41.8MAssets
$12.1MLoans
$38.9MShares
$3.9MNet Worth

Executive Summary

  • Earnings: ROA of -0.08%, up 32 bps year over year; NIM at 1.88%.
  • Asset quality: problem loans at 2.80% of loans (+61 bps YoY).
  • Capital: net worth / assets of 9.29%, down 18 bps from a year ago.
  • Funding: loans stand at 31.12% of shares as of Q1 2014.

Return on Assets (YTD, annualized)

-0.08%+32 bps YoY

Net Interest Margin (YTD, annualized)

1.88%-17 bps YoY

Efficiency Ratio (YTD, annualized)

100.90%-1,347 bps YoY

Net Worth / Assets

9.29%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets0.13%0.00%0.00%-0.41%-0.26%-0.31%-0.24%-0.08%+32 bps
Return on Equity1.36%0.05%0.00%-4.28%-2.72%-3.22%-2.59%-0.91%+337 bps
Net Interest Margin2.51%2.49%2.41%2.05%2.17%2.16%2.13%1.88%-17 bps
Efficiency Ratio95.55%99.72%99.90%114.37%107.75%109.29%107.00%100.90%-1,347 bps
Growth
Asset Growth (YoY)3.30%3.66%3.41%-2.08%-2.49%-2.14%-1.26%0.18%+226 bps
Loan Growth (YoY)7.95%1.19%-5.96%-6.43%-6.85%-4.25%-1.87%-3.02%+340 bps
Share Growth (YoY)3.70%3.97%3.85%-0.73%-1.15%-0.75%0.14%0.21%+94 bps
Asset Quality
Delinquent Loans / Loans0.98%2.11%1.40%2.19%1.63%3.18%2.57%2.80%+61 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.62%0.42%0.39%0.41%0.45%0.38%0.30%0.36%-5 bps
Capital
Risk-Based Capital9.61%9.64%9.56%9.47%9.65%9.62%9.44%9.29%-18 bps
Net Worth / Assets9.61%9.64%9.56%9.47%9.65%9.62%9.44%9.29%-18 bps
Liquidity & Funding
Loans / Shares35.08%34.72%33.12%32.16%33.06%33.50%32.45%31.12%-104 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps