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Taupa Lithuanian

Cleveland, OH · Charter 66822

Q1 2013

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 2013, the quarter ended March 31, 2013, 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

Taupa Lithuanian

Cleveland, OH · Charter 66822

Q1 2013

$23.6MAssets
$7.4MLoans
$21.2MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.47%, down 9 bps year over year; NIM at 1.82%.
  • Asset quality: problem loans at 0.78% of loans (+14 bps YoY).
  • Capital: net worth / assets of 10.31%, up 50 bps from a year ago.
  • Funding: loans stand at 34.93% of shares as of Q1 2013.

Return on Assets (YTD, annualized)

0.47%-9 bps YoY

Net Interest Margin (YTD, annualized)

1.82%-31 bps YoY

Efficiency Ratio (YTD, annualized)

78.68%+106 bps YoY

Net Worth / Assets

10.31%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.55%0.62%0.56%0.56%0.57%0.50%0.48%0.47%-9 bps
Return on Equity6.06%6.56%6.47%5.73%5.80%5.30%5.72%4.54%-119 bps
Net Interest Margin2.10%2.21%1.99%2.12%2.04%1.94%1.68%1.82%-31 bps
Efficiency Ratio79.75%78.22%78.11%77.62%75.96%77.27%75.33%78.68%+106 bps
Growth
Asset Growth (YoY)-5.53%-3.70%11.74%-7.17%-0.82%4.79%7.69%0.56%+773 bps
Loan Growth (YoY)-0.88%-6.32%-12.43%-12.90%-14.16%-13.65%-14.20%-16.02%-312 bps
Share Growth (YoY)-6.88%-4.86%11.90%-8.34%-1.31%4.49%8.05%0.00%+834 bps
Asset Quality
Delinquent Loans / Loans0.79%0.62%0.06%0.64%1.64%0.11%0.79%0.78%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.19%1.25%1.33%1.58%1.05%1.16%1.30%1.34%-24 bps
Capital
Risk-Based Capital9.09%9.44%8.63%9.81%9.78%9.53%8.42%10.31%+50 bps
Net Worth / Assets9.09%9.44%8.63%9.81%9.78%9.53%8.42%10.31%+50 bps
Liquidity & Funding
Loans / Shares45.47%43.97%36.89%41.59%39.55%36.34%29.30%34.93%-666 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%95.51%0.00%0 bps