Columbus, OH · Charter 19327
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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 19327
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.09% | 2.69% | 3.84% | 4.34% | 5.19% | 3.14% | 3.17% | 3.01% | -132 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.79% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.90% | 6.57% | 6.27% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 56.22% | 54.13% | 53.90% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.10% | -19.69% | -14.15% | -10.57% | -13.48% | -1.62% | 1.40% | -17.88% | -730 bps | |
| Loan Growth (YoY) | 1.59% | -3.39% | -0.02% | 3.81% | 23.10% | 42.32% | 23.09% | 12.38% | +857 bps | |
| Share Growth (YoY) | -5.54% | -28.69% | -22.54% | -17.32% | -22.26% | -9.12% | -3.77% | -37.22% | -1,991 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.19% | 3.60% | 2.06% | 2.09% | 0.63% | 5.63% | 1.87% | 1.67% | -42 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 | 8.97% | 9.77% | 8.45% | 5.83% | 3.69% | 3.42% | 4.80% | 2.92% | -291 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 52.06% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 52.06% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.43% | 84.59% | 81.77% | 104.01% | 97.28% | 132.46% | 104.59% | 186.18% | +8,217 bps | |
| Liquid Assets / Assets | 26.72% | 24.25% | 20.58% | 19.15% | 17.58% | 7.83% | 4.47% | 11.22% | -793 bps | |