Hamilton, OH · Charter 7527
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hamilton, OH · Charter 7527
Q3 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.11% | -0.10% | -0.60% | -0.58% | -0.63% | -52 bps | |
| Return on Equity | -0.70% | -0.58% | -3.75% | -3.58% | -3.88% | -319 bps | |
| Net Interest Margin | 1.93% | 1.92% | 1.44% | 1.42% | 1.45% | -49 bps | |
| Efficiency Ratio | 105.77% | 104.95% | 141.43% | 140.27% | 143.56% | +3,779 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.18% | -5.68% | -4.26% | -5.78% | -3.70% | +148 bps | |
| Loan Growth (YoY) | 38.82% | 34.12% | 31.10% | -5.17% | -22.35% | -6,117 bps | |
| Share Growth (YoY) | -6.01% | -6.65% | -4.68% | -6.31% | -3.87% | +214 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 1.86% | 0.00% | 0.00% | 0.00% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.24% | 1.45% | 1.48% | 1.64% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.15% | 16.47% | 16.09% | 16.05% | 16.29% | +14 bps | |
| Net Worth / Assets | 16.15% | 16.47% | 16.09% | 16.05% | 16.29% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.45% | 54.30% | 50.50% | 49.96% | 46.41% | -1,105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |