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Tri-County

Canfield, OH · Charter 96798

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Tri-County

Canfield, OH · Charter 96798

Q1 2015

$12.4MAssets
$3.1MLoans
$11.0MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of -1.90%, down 27 bps year over year; NIM at 1.86%.
  • Asset quality: problem loans at 0.36% of loans (+30 bps YoY).
  • Capital: net worth / assets of 14.16%, down 193 bps from a year ago.
  • Funding: loans stand at 28.65% of shares as of Q1 2015.

Return on Assets (YTD, annualized)

-1.90%-27 bps YoY

Net Interest Margin (YTD, annualized)

1.86%-8 bps YoY

Efficiency Ratio (YTD, annualized)

190.72%+1,686 bps YoY

Net Worth / Assets

14.16%-193 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets-1.52%-1.56%-1.82%-1.63%-1.74%-1.72%-1.76%-1.90%-27 bps
Return on Equity-8.61%-9.07%-10.68%-10.11%-11.08%-10.93%-11.92%-13.39%-327 bps
Net Interest Margin2.18%2.15%2.16%1.94%1.94%1.99%1.94%1.86%-8 bps
Efficiency Ratio161.40%164.03%175.11%173.86%178.74%175.47%178.93%190.72%+1,686 bps
Growth
Asset Growth (YoY)-5.65%-2.77%-3.79%-2.76%0.45%-1.94%2.90%0.75%+351 bps
Loan Growth (YoY)-11.00%-9.60%-6.53%-6.49%-1.34%-2.07%-2.96%-2.34%+415 bps
Share Growth (YoY)-5.39%-1.55%-1.90%-0.37%3.48%0.57%6.01%3.47%+384 bps
Asset Quality
Delinquent Loans / Loans1.33%0.65%0.50%0.06%0.10%0.44%0.77%0.36%+30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.10%1.90%1.44%1.44%1.43%1.30%1.33%0.88%-56 bps
Capital
Risk-Based Capital17.68%17.25%17.01%16.09%15.72%15.69%14.77%14.16%-193 bps
Net Worth / Assets17.68%17.25%17.01%16.09%15.72%15.69%14.77%14.16%-193 bps
Liquidity & Funding
Loans / Shares32.88%32.76%33.30%30.35%31.35%31.90%30.48%28.65%-170 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps