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Olan Mills Savings Association

Chattanooga, TN · Charter 68106

Q2 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: Q2 2012, the quarter ended June 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

Olan Mills Savings Association

Chattanooga, TN · Charter 68106

Q2 2012

$3.8MAssets
$1.7MLoans
$2.7MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of -0.20%, down 41 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 1.16% of loans (+110 bps YoY).
  • Capital: net worth / assets of 30.11%, up 318 bps from a year ago.
  • Funding: loans stand at 65.51% of shares as of Q2 2012.

Return on Assets (YTD, annualized)

-0.20%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+51 bps YoY

Efficiency Ratio (YTD, annualized)

103.71%+1,645 bps YoY

Net Worth / Assets

30.11%+318 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.15%0.15%0.17%0.21%0.24%0.23%0.01%-0.20%-41 bps
Return on Equity0.58%0.57%0.65%0.78%0.90%0.83%0.02%-0.67%-145 bps
Net Interest Margin3.48%3.45%3.47%3.46%3.50%3.61%3.56%3.97%+51 bps
Efficiency Ratio83.94%84.83%87.84%87.26%85.77%87.41%97.20%103.71%+1,645 bps
Growth
Asset Growth (YoY)-2.54%-4.78%-6.83%-5.32%-2.77%-7.62%-2.96%-10.46%-514 bps
Loan Growth (YoY)-8.43%-8.45%-10.42%-6.11%-2.41%-4.01%-8.56%-18.39%-1,229 bps
Share Growth (YoY)-3.23%-6.44%-9.23%-7.69%-4.18%-10.46%-4.27%-14.20%-651 bps
Asset Quality
Delinquent Loans / Loans0.67%0.54%0.01%0.06%1.01%1.12%1.05%1.16%+110 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.07%0.29%0.51%0.60%0.78%0.55%0.66%0.42%-18 bps
Capital
Risk-Based Capital25.56%25.75%26.60%26.93%26.54%28.10%27.60%30.11%+318 bps
Net Worth / Assets25.56%25.75%26.60%26.93%26.54%28.10%27.60%30.11%+318 bps
Liquidity & Funding
Loans / Shares65.44%64.58%65.11%68.87%66.65%69.22%62.19%65.51%-337 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps