Columbus, OH · Charter 14236
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Columbus, OH · Charter 14236
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.88% | 0.32% | -11.36% | -6.51% | -2.84% | -1.99% | -4.02% | +734 bps | |
| Return on Equity | 1.11% | 6.92% | 2.77% | -102.06% | -58.39% | -23.81% | -16.61% | -37.04% | +6,503 bps | |
| Net Interest Margin | 4.09% | 4.16% | 3.90% | 3.94% | 3.66% | 3.19% | 2.89% | 1.78% | -215 bps | |
| Efficiency Ratio | 93.80% | 82.50% | 92.45% | 136.19% | 137.01% | 90.89% | 107.05% | 300% | +16,366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.51% | -24.15% | -19.89% | -36.19% | -19.24% | -11.75% | -16.67% | 0.81% | +3,700 bps | |
| Loan Growth (YoY) | 6.85% | 13.86% | -25.53% | -27.66% | -35.48% | -48.57% | -50.82% | -52.98% | -2,532 bps | |
| Share Growth (YoY) | -16.66% | -26.76% | -21.19% | -37.95% | -19.04% | -10.99% | -16.98% | 1.18% | +3,913 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 1.69% | 5.78% | 0.61% | 0.00% | 2.57% | 0.99% | 33.86% | +3,325 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 | 1.29% | 1.26% | 1.40% | 2.25% | 5.12% | 6.95% | 4.59% | 7.92% | +567 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.37% | 12.74% | 11.66% | 11.13% | 11.15% | 11.94% | 12.00% | 10.85% | -28 bps | |
| Net Worth / Assets | 11.37% | 12.74% | 11.66% | 11.13% | 11.15% | 11.94% | 12.00% | 10.85% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.39% | 49.25% | 41.11% | 39.76% | 35.37% | 28.46% | 24.35% | 18.48% | -2,128 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |