Toledo, OH · Charter 11495
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Toledo, OH · Charter 11495
Q1 2003
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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.12% | 0.09% | 0.07% | -1.09% | -121 bps | |
| Return on Equity | 0.82% | 0.89% | 0.59% | 0.47% | -7.76% | -858 bps | |
| Net Interest Margin | 3.94% | 3.55% | 3.73% | 3.68% | 3.30% | -65 bps | |
| Efficiency Ratio | 96.37% | 96.21% | 97.43% | 97.91% | 129.46% | +3,309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.90% | 8.08% | 5.93% | 1.68% | 4.69% | +179 bps | |
| Loan Growth (YoY) | -14.50% | -18.71% | -17.53% | -10.64% | -13.96% | +54 bps | |
| Share Growth (YoY) | 2.89% | 9.25% | 7.21% | 2.10% | 5.89% | +301 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.06% | 0.10% | 0.07% | 0.06% | 0.07% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.89% | 13.78% | 14.56% | 14.60% | 14.02% | -87 bps | |
| Net Worth / Assets | 14.89% | 13.78% | 14.56% | 14.60% | 14.02% | -87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.36% | 58.66% | 61.32% | 60.24% | 56.36% | -1,300 bps | |
| Liquid Assets / Assets | 31.40% | 39.55% | 38.51% | 39.53% | 41.93% | +1,052 bps | |