Lordstown, OH · Charter 21331
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Lordstown, OH · Charter 21331
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.24% | 0.22% | -0.05% | -0.05% | 0.10% | 0.25% | -17.98% | -1,793 bps | |
| Return on Equity | 2.92% | 3.01% | 2.69% | -0.66% | -0.68% | 1.21% | 3.00% | -477% | -47,621 bps | |
| Net Interest Margin | 4.85% | 5.01% | 5.00% | 4.88% | 4.72% | 4.89% | 4.92% | 5.27% | +39 bps | |
| Efficiency Ratio | 96.52% | 95.83% | 95.69% | 99.42% | 100.13% | 98.13% | 94.21% | 193.77% | +9,434 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.07% | -5.87% | -5.59% | -3.34% | -1.29% | 0.24% | 1.97% | -0.09% | +326 bps | |
| Loan Growth (YoY) | -3.37% | -1.53% | -1.47% | -8.74% | -13.21% | 3.06% | 5.50% | 10.90% | +1,964 bps | |
| Share Growth (YoY) | -1.24% | -6.65% | -6.25% | -4.29% | -1.43% | 0.16% | 1.79% | 3.81% | +810 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.39% | 0.72% | 0.51% | 0.57% | 0.51% | 1.89% | 0.00% | -51 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 | 0.19% | 0.22% | 0.24% | 0.11% | 0.13% | 0.13% | 0.29% | 1.34% | +124 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.67% | 7.99% | 8.07% | 8.00% | 7.84% | 8.08% | 8.16% | 3.77% | -423 bps | |
| Net Worth / Assets | 7.67% | 7.99% | 8.07% | 8.00% | 7.84% | 8.08% | 8.16% | 3.77% | -423 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.50% | 89.38% | 85.57% | 80.65% | 78.80% | 91.96% | 88.70% | 86.16% | +551 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |