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Holmes-Washington Teachers

Bonifay, FL · Charter 67433

Q4 2008

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: Q4 2008, the quarter ended December 31, 2008, 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

Holmes-Washington Teachers

Bonifay, FL · Charter 67433

Q4 2008

$10.5MAssets
$6.3MLoans
$7.7MShares
$2.8MNet 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 1.20%, up 32 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.38% of loans (+38 bps YoY).
  • Capital: net worth / assets of 26.71%, up 54 bps from a year ago.
  • Funding: loans stand at 82.25% of shares as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

1.20%+32 bps YoY

Net Interest Margin (YTD, annualized)

4.38%-33 bps YoY

Efficiency Ratio (YTD, annualized)

75.30%-298 bps YoY

Net Worth / Assets

26.71%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets0.88%1.19%1.41%1.26%1.20%+32 bps
Return on Equity3.35%4.53%5.43%4.71%4.49%+114 bps
Net Interest Margin4.71%4.59%4.44%4.52%4.38%-33 bps
Efficiency Ratio78.28%76.77%71.34%74.78%75.30%-298 bps
Growth
Asset Growth (YoY)-6.14%-4.67%-2.51%0.36%2.59%+873 bps
Loan Growth (YoY)-1.08%-1.48%-4.11%-10.25%-11.15%-1,006 bps
Share Growth (YoY)-9.19%-7.55%-4.84%-1.14%1.72%+1,091 bps
Asset Quality
Delinquent Loans / Loans0.00%0.28%0.34%0.27%0.38%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.45%0.40%0.43%0.44%0.45%0 bps
Capital
Risk-Based Capital26.17%26.25%25.99%26.72%26.71%+54 bps
Net Worth / Assets26.17%26.25%25.99%26.72%26.71%+54 bps
Liquidity & Funding
Loans / Shares94.16%92.41%85.60%85.20%82.25%-1,191 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps