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Trailview

Waterville, OH · Charter 6608

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

Trailview

Waterville, OH · Charter 6608

Q3 2012

$3.3MAssets
$1.4MLoans
$2.8MShares
$464KNet Worth

Executive Summary

  • Earnings: ROA of 0.53%, up 143 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.26%, up 54 bps from a year ago.
  • Funding: loans stand at 50.80% of shares as of Q3 2012.

Return on Assets (YTD, annualized)

0.53%+143 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+21 bps YoY

Efficiency Ratio (YTD, annualized)

112.47%-2,530 bps YoY

Net Worth / Assets

14.26%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-4.28%-1.13%-0.34%-0.90%-0.95%-0.60%-0.58%0.53%+143 bps
Return on Equity-33.04%-8.20%-2.42%-6.54%-7.02%-4.41%-4.39%3.75%+1,029 bps
Net Interest Margin2.81%2.54%2.62%2.68%2.72%2.76%2.83%2.89%+21 bps
Efficiency Ratio120.75%123.33%124.01%137.77%138.52%131.43%124.08%112.47%-2,530 bps
Growth
Asset Growth (YoY)1.29%4.89%2.21%-0.60%-1.30%-4.16%-1.30%-2.98%-237 bps
Loan Growth (YoY)-13.97%-20.91%-17.45%-6.97%3.67%18.22%17.89%6.01%+1,298 bps
Share Growth (YoY)3.96%9.99%6.07%3.04%-1.19%-3.90%-0.30%-3.64%-668 bps
Asset Quality
Delinquent Loans / Loans0.24%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.68%3.13%2.24%2.08%1.96%1.76%1.80%0.44%-163 bps
Capital
Risk-Based Capital12.94%13.74%14.15%13.72%13.51%13.52%13.27%14.26%+54 bps
Net Worth / Assets12.94%13.74%14.15%13.72%13.51%13.52%13.27%14.26%+54 bps
Liquidity & Funding
Loans / Shares45.06%39.87%41.93%46.18%47.27%49.04%49.58%50.80%+463 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps