Poland, OH · Charter 2355
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Poland, OH · Charter 2355
Q4 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.31% | -2.06% | -14.14% | -8.83% | -2.55% | -386 bps | |
| Return on Equity | 23.91% | -36.69% | -4485% | -1231% | -43.40% | -6,731 bps | |
| Net Interest Margin | 3.97% | 3.85% | 5.07% | 4.73% | 5.01% | +104 bps | |
| Efficiency Ratio | 57.93% | 40.26% | 33.66% | 41.45% | 46.70% | -1,123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.50% | -16.98% | -30.76% | -27.21% | -34.88% | -3,038 bps | |
| Loan Growth (YoY) | -15.69% | -23.09% | -37.05% | -39.00% | -38.81% | -2,312 bps | |
| Share Growth (YoY) | -2.55% | -18.24% | -27.62% | -23.90% | -35.00% | -3,245 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 27.64% | 14.50% | 6.51% | 5.14% | 7.09% | -2,055 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.38% | 9.58% | 5.96% | 6.82% | 6.83% | -55 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.48% | 5.61% | 0.32% | 0.72% | 5.87% | +39 bps | |
| Net Worth / Assets | 5.48% | 5.61% | 0.32% | 0.72% | 5.87% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.64% | 69.84% | 63.24% | 56.79% | 62.73% | -391 bps | |
| Liquid Assets / Assets | 39.35% | 37.82% | 37.76% | 44.80% | 41.34% | +199 bps | |