Green Camp, OH · Charter 14128
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 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.
Green Camp, OH · Charter 14128
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.29% | 0.01% | 0.17% | -0.14% | 0.13% | -0.36% | -0.20% | -37 bps | |
| Return on Equity | 6.21% | 1.95% | 0.08% | 1.07% | -0.85% | 0.78% | -2.41% | -1.33% | -240 bps | |
| Net Interest Margin | 4.68% | 4.23% | 3.67% | 4.13% | 4.36% | 4.68% | 4.20% | 4.13% | 0 bps | |
| Efficiency Ratio | 79.29% | 89.58% | 97.99% | 94.29% | 93.97% | 95.78% | 95.40% | 95.28% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.34% | -6.03% | -8.71% | -6.08% | -9.81% | -10.47% | -4.00% | 1.59% | +767 bps | |
| Loan Growth (YoY) | 25.32% | 5.97% | 3.31% | -14.01% | -15.86% | -10.86% | -15.12% | -27.34% | -1,333 bps | |
| Share Growth (YoY) | -7.97% | -7.04% | -10.10% | -6.88% | -10.42% | -11.88% | -3.50% | 3.26% | +1,013 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.26% | 0.88% | 1.78% | 1.36% | 0.04% | 2.69% | 3.73% | 1.72% | +36 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 | 0.64% | 0.69% | 0.60% | 0.65% | 0.48% | 0.53% | 0.99% | 0.77% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.05% | 14.78% | 14.62% | 15.86% | 16.35% | 16.41% | 14.92% | 15.20% | -66 bps | |
| Net Worth / Assets | 15.05% | 14.78% | 14.62% | 15.86% | 16.35% | 16.41% | 14.92% | 15.20% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.64% | 75.47% | 73.84% | 77.40% | 80.45% | 76.34% | 64.95% | 54.46% | -2,294 bps | |
| Liquid Assets / Assets | 26.85% | 34.90% | 36.33% | 33.94% | 31.34% | 34.04% | 42.89% | 51.52% | +1,758 bps | |