Troy, OH · Charter 19507
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Troy, OH · Charter 19507
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 0.98% | 0.82% | 0.29% | 0.50% | 0.43% | 0.09% | 0.62% | +34 bps | |
| Return on Equity | 10.04% | 9.01% | 7.64% | 2.65% | 4.61% | 3.94% | 0.90% | 6.41% | +376 bps | |
| Net Interest Margin | 5.16% | 5.13% | 4.93% | 4.62% | 4.68% | 4.67% | 4.57% | 4.89% | +27 bps | |
| Efficiency Ratio | 75.85% | 75.14% | 77.62% | 90.36% | 86.99% | 85.25% | 86.33% | 77.37% | -1,298 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.45% | -0.16% | 3.43% | 1.87% | 4.26% | 3.02% | 2.63% | 13.21% | +1,134 bps | |
| Loan Growth (YoY) | 12.34% | 13.82% | 13.81% | 9.71% | 12.42% | 7.99% | 8.70% | 4.60% | -512 bps | |
| Share Growth (YoY) | -4.26% | -1.48% | 2.79% | 1.37% | 4.20% | 3.01% | 2.92% | 14.78% | +1,341 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.74% | 1.73% | 2.74% | 1.95% | 1.91% | 1.83% | 1.85% | 1.38% | -57 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 | 0.58% | 0.35% | 0.26% | 0.21% | 0.38% | 0.17% | 0.60% | 0.80% | +58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.74% | 10.85% | 10.69% | 10.76% | 10.85% | 10.96% | 10.51% | 9.68% | -108 bps | |
| Net Worth / Assets | 10.74% | 10.85% | 10.69% | 10.76% | 10.85% | 10.96% | 10.51% | 9.68% | -108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.09% | 84.89% | 84.19% | 84.58% | 86.41% | 89.00% | 88.92% | 77.07% | -751 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |