Mentor, OH · Charter 13263
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Mentor, OH · Charter 13263
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.76% | -1.02% | -0.46% | -2.03% | -1.41% | -2.65% | -3.65% | -15.55% | -1,352 bps | |
| Return on Equity | -8.46% | -12.72% | -5.59% | -28.56% | -20.24% | -45.30% | -53.00% | -349% | -32,080 bps | |
| Net Interest Margin | 6.17% | 2.17% | 2.85% | 1.98% | 2.51% | 2.84% | 3.66% | 3.71% | +174 bps | |
| Efficiency Ratio | 123.48% | 139.80% | 113.81% | 195.91% | 153.12% | 169.22% | 160.15% | 479% | +28,309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.86% | 138.71% | 136.21% | 146.95% | 149.21% | -1.86% | -27.31% | -40.32% | -18,727 bps | |
| Loan Growth (YoY) | -21.59% | -22.14% | -18.44% | -12.24% | 3.00% | 2.49% | 5.60% | -1.97% | +1,027 bps | |
| Share Growth (YoY) | -8.18% | 178.72% | 172.66% | 190.66% | 193.07% | 0.72% | -25.94% | -38.46% | -22,912 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.95% | 4.73% | 1.36% | 4.16% | 5.08% | 6.78% | 6.39% | 6.78% | +262 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 | 0.85% | 0.88% | 0.94% | 0.97% | 0.86% | 2.49% | 1.15% | 1.64% | +68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.86% | 7.99% | 8.26% | 7.11% | 6.96% | 5.84% | 6.89% | 4.45% | -266 bps | |
| Net Worth / Assets | 20.86% | 7.99% | 8.26% | 7.11% | 6.96% | 5.84% | 6.89% | 4.45% | -266 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.32% | 27.47% | 25.80% | 24.45% | 27.53% | 27.95% | 36.79% | 38.95% | +1,450 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |