Columbus, OH · Charter 18822
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 18822
Q3 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | -0.46% | -0.46% | -1.32% | -1.15% | -0.91% | -0.77% | -3.15% | -183 bps | |
| Return on Equity | -0.12% | -6.25% | -5.93% | -20.70% | -17.26% | -15.07% | -12.22% | -71.06% | -5,036 bps | |
| Net Interest Margin | 3.87% | 3.57% | 3.65% | 3.30% | 3.47% | 2.99% | 3.17% | 3.18% | -12 bps | |
| Efficiency Ratio | 97.34% | 108.66% | 108.67% | 125.27% | 120.30% | 112.60% | 112.41% | 135.04% | +977 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.90% | 8.96% | 0.28% | 1.87% | -6.48% | 1.33% | 0.35% | -7.70% | -957 bps | |
| Loan Growth (YoY) | -0.54% | -14.00% | -11.81% | -10.58% | -16.40% | -7.44% | -12.32% | -8.32% | +225 bps | |
| Share Growth (YoY) | 8.94% | 10.66% | 0.72% | 3.40% | -5.54% | 2.84% | 1.89% | -6.25% | -965 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.74% | 6.69% | 6.04% | 14.24% | 7.75% | 6.63% | 3.31% | 4.13% | -1,011 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 | 1.32% | 1.59% | 1.60% | 1.39% | 1.43% | 1.38% | 1.26% | 3.46% | +207 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.61% | 7.32% | 7.68% | 6.37% | 6.64% | 6.03% | 6.33% | 4.43% | -194 bps | |
| Net Worth / Assets | 7.61% | 7.32% | 7.68% | 6.37% | 6.64% | 6.03% | 6.33% | 4.43% | -194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.43% | 42.20% | 46.62% | 40.99% | 42.86% | 37.98% | 40.11% | 40.08% | -91 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |