Bellefontaine, OH · Charter 20948
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Bellefontaine, OH · Charter 20948
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.10% | -2.85% | -3.33% | -2.21% | -1.76% | -0.13% | -3.57% | -2.42% | -21 bps | |
| Return on Equity | -47.37% | -39.03% | -55.27% | -40.25% | -30.07% | -2.26% | -75.84% | -51.24% | -1,099 bps | |
| Net Interest Margin | 3.18% | 2.55% | 2.24% | 2.59% | 3.04% | 3.66% | 3.79% | 4.04% | +145 bps | |
| Efficiency Ratio | 138.11% | 179.95% | 176.93% | 146.76% | 131.70% | 100.60% | 105.59% | 104.09% | -4,267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.39% | 25.47% | 11.07% | 18.50% | 13.16% | 4.64% | -9.13% | -16.10% | -3,460 bps | |
| Loan Growth (YoY) | -27.90% | -30.68% | -25.14% | -2.12% | 13.34% | 33.67% | 56.04% | 29.64% | +3,176 bps | |
| Share Growth (YoY) | 23.28% | 36.98% | 19.40% | 23.09% | 16.75% | 6.91% | -6.71% | -13.80% | -3,689 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 1.89% | 7.14% | 5.47% | 5.18% | 5.46% | 3.51% | 6.58% | +111 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 | 2.01% | 2.50% | 2.00% | 2.47% | 2.55% | 1.55% | 2.56% | 2.42% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.66% | 7.30% | 6.03% | 5.49% | 5.86% | 5.83% | 4.70% | 4.73% | -76 bps | |
| Net Worth / Assets | 8.66% | 7.30% | 6.03% | 5.49% | 5.86% | 5.83% | 4.70% | 4.73% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.43% | 38.28% | 34.29% | 39.28% | 45.07% | 47.86% | 57.35% | 59.08% | +1,980 bps | |
| Liquid Assets / Assets | 55.00% | 61.80% | 64.80% | 48.92% | 42.14% | 51.71% | 42.22% | 40.72% | -820 bps | |