Grand River, OH · Charter 13141
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Grand River, OH · Charter 13141
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.22% | 0.33% | 0.13% | 0.23% | 0.27% | -0.90% | -1.66% | -179 bps | |
| Return on Equity | 2.77% | 1.47% | 2.29% | 0.91% | 1.52% | 1.68% | -5.86% | -9.75% | -1,066 bps | |
| Net Interest Margin | 4.42% | 4.37% | 4.04% | 3.81% | 3.92% | 4.08% | 4.13% | 4.80% | +99 bps | |
| Efficiency Ratio | 80.45% | 84.29% | 81.07% | 84.80% | 94.15% | 81.56% | 81.42% | 104.31% | +1,951 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.66% | -2.20% | 4.38% | 4.47% | -1.94% | -4.30% | -12.33% | -22.76% | -2,723 bps | |
| Loan Growth (YoY) | 45.55% | -0.15% | -17.95% | -17.77% | -15.47% | -14.02% | -23.81% | -26.08% | -831 bps | |
| Share Growth (YoY) | 4.86% | -0.17% | 8.45% | 5.09% | -2.37% | -5.23% | -13.56% | -25.12% | -3,021 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.84% | 11.16% | 9.56% | 9.41% | 14.00% | 12.15% | 8.14% | 8.15% | -126 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 0.59% | 0.81% | 0.86% | 1.11% | 1.47% | 1.73% | 1.98% | +112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.65% | 14.95% | 14.23% | 14.41% | 15.03% | 15.78% | 15.42% | 17.00% | +259 bps | |
| Net Worth / Assets | 14.65% | 14.95% | 14.23% | 14.41% | 15.03% | 15.78% | 15.42% | 17.00% | +259 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.87% | 65.72% | 62.12% | 58.97% | 56.17% | 59.63% | 54.75% | 58.21% | -75 bps | |
| Liquid Assets / Assets | 27.38% | 42.65% | 45.50% | 47.34% | 50.98% | 48.65% | 52.55% | 50.41% | +307 bps | |