Youngstown, OH · Charter 1569
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Youngstown, OH · Charter 1569
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.66% | 0.47% | -0.24% | 0.17% | -0.17% | -0.87% | -0.87% | -1.01% | -118 bps | |
| Return on Equity | n/a | n/a | -3.65% | 2.48% | -2.51% | -14.08% | -14.91% | -18.92% | -2,141 bps | |
| Net Interest Margin | 4.73% | 5.01% | 5.19% | 5.06% | 4.99% | 4.86% | 4.76% | 4.64% | -42 bps | |
| Efficiency Ratio | 156.75% | 90.96% | 104.04% | 95.48% | 101.99% | 109.87% | 109.22% | 111.21% | +1,573 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 0.48% | -5.75% | -7.52% | -5.22% | -8.68% | 0.16% | 0.86% | +838 bps | |
| Loan Growth (YoY) | 27.15% | 9.00% | 0.31% | -1.20% | 6.06% | 25.78% | 26.55% | 19.51% | +2,070 bps | |
| Share Growth (YoY) | 4.58% | 3.09% | -3.08% | -4.95% | -5.09% | -8.34% | 1.21% | 2.24% | +719 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 2.06% | 1.81% | 0.14% | 0.38% | 0.77% | 1.50% | 0.28% | +14 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 | 0.39% | 0.19% | 0.57% | 0.65% | 0.35% | 0.50% | 0.62% | 0.51% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 6.67% | 6.66% | 6.56% | 6.15% | 5.85% | 5.35% | -131 bps | |
| Net Worth / Assets | n/a | n/a | 6.67% | 6.66% | 6.56% | 6.15% | 5.85% | 5.35% | -131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.40% | 60.30% | 63.72% | 63.68% | 69.73% | 82.75% | 79.68% | 74.44% | +1,076 bps | |
| Liquid Assets / Assets | 40.65% | 34.89% | 31.07% | 32.25% | 28.92% | 11.04% | 17.94% | 21.45% | -1,080 bps | |