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Community Healthcare

Urbana, IL · Charter 65428

Q3 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: Q3 2012, the quarter ended September 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

Community Healthcare

Urbana, IL · Charter 65428

Q3 2012

$3.9MAssets
$1.4MLoans
$3.6MShares
$300KNet 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 -2.74%, down 156 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 1.67% of loans (+149 bps YoY).
  • Capital: net worth / assets of 7.64%, down 194 bps from a year ago.
  • Funding: loans stand at 38.38% of shares as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.74%-156 bps YoY

Net Interest Margin (YTD, annualized)

2.70%-54 bps YoY

Efficiency Ratio (YTD, annualized)

190.85%+6,013 bps YoY

Net Worth / Assets

7.64%-194 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-1.18%-1.24%-1.11%-0.95%-2.74%-156 bps
Return on Equity-12.30%-12.62%-12.39%-10.79%-35.80%-2,350 bps
Net Interest Margin3.24%3.38%2.82%2.67%2.70%-54 bps
Efficiency Ratio130.72%131.00%135.56%132.06%190.85%+6,013 bps
Growth
Asset Growth (YoY)-8.51%-10.96%-8.23%-9.23%-4.04%+448 bps
Loan Growth (YoY)-3.58%-6.78%-15.80%-18.62%-21.49%-1,791 bps
Share Growth (YoY)-7.21%-10.55%-8.04%-8.98%-2.96%+425 bps
Asset Quality
Delinquent Loans / Loans0.18%0.07%1.64%1.96%1.67%+149 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.63%0.73%0.73%0.75%+5 bps
Capital
Risk-Based Capital9.58%9.82%8.93%8.79%7.64%-194 bps
Net Worth / Assets9.58%9.82%8.93%8.79%7.64%-194 bps
Liquidity & Funding
Loans / Shares47.44%46.96%37.89%37.77%38.38%-906 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps