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Simcoe

Burley, ID · Charter 82540

Q2 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: Q2 2013, the quarter ended June 30, 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

Simcoe

Burley, ID · Charter 82540

Q2 2013

$5.9MAssets
$2.1MLoans
$5.2MShares
$589KNet 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 -1.46%, down 3 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 0.78% of loans (+54 bps YoY).
  • Capital: net worth / assets of 10.03%, down 143 bps from a year ago.
  • Funding: loans stand at 40.78% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.46%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.15%-29 bps YoY

Efficiency Ratio (YTD, annualized)

150.15%+581 bps YoY

Net Worth / Assets

10.03%-143 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-1.43%-1.30%-1.28%-1.29%-1.46%-3 bps
Return on Equity-12.49%-11.35%-11.57%-12.23%-14.56%-207 bps
Net Interest Margin2.44%2.46%2.41%2.20%2.15%-29 bps
Efficiency Ratio144.34%138.09%137.27%142.38%150.15%+581 bps
Growth
Asset Growth (YoY)-1.72%-4.56%-3.69%-1.43%1.42%+314 bps
Loan Growth (YoY)-1.37%-4.17%-8.99%-7.89%-12.05%-1,067 bps
Share Growth (YoY)-1.43%-3.97%-1.70%0.31%3.96%+539 bps
Asset Quality
Delinquent Loans / Loans0.24%0.69%0.30%0.28%0.78%+54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.76%0.80%0.85%0.88%0.87%+10 bps
Capital
Risk-Based Capital11.46%11.43%11.08%10.56%10.03%-143 bps
Net Worth / Assets11.46%11.43%11.08%10.56%10.03%-143 bps
Liquidity & Funding
Loans / Shares48.20%46.63%42.87%40.64%40.78%-742 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps