Canton, OH · Charter 2559
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.
Canton, OH · Charter 2559
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 | -0.89% | -1.03% | -0.67% | -0.63% | -0.83% | -0.75% | -1.00% | -1.62% | -99 bps | |
| Return on Equity | -3.45% | -4.09% | -2.70% | -2.55% | -3.39% | -3.01% | -4.05% | -6.89% | -433 bps | |
| Net Interest Margin | 4.06% | 4.04% | 4.23% | 4.28% | 4.19% | 4.45% | 4.03% | 3.79% | -49 bps | |
| Efficiency Ratio | 121.58% | 124.58% | 115.25% | 114.17% | 118.99% | 116.51% | 124.46% | 142.25% | +2,808 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.81% | -2.34% | 3.01% | 2.53% | 2.33% | -1.20% | -3.24% | -1.39% | -392 bps | |
| Loan Growth (YoY) | 14.72% | 20.38% | 18.52% | 4.62% | 5.41% | -8.48% | -24.60% | -30.20% | -3,483 bps | |
| Share Growth (YoY) | -1.75% | -0.67% | 5.41% | 4.04% | 4.65% | -0.38% | -2.78% | 0.79% | -325 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.79% | 2.70% | 1.10% | 0.87% | 0.00% | 0.00% | 0.00% | 0.00% | -87 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 | 1.11% | 1.01% | 1.03% | 1.04% | 0.17% | 0.18% | 0.22% | 0.24% | -79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.87% | 25.24% | 24.85% | 24.79% | 24.45% | 24.78% | 24.68% | 23.56% | -123 bps | |
| Net Worth / Assets | 25.87% | 25.24% | 24.85% | 24.79% | 24.45% | 24.78% | 24.68% | 23.56% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.64% | 96.85% | 93.43% | 93.01% | 91.30% | 88.97% | 72.47% | 64.40% | -2,860 bps | |
| Liquid Assets / Assets | 32.92% | 27.75% | 29.82% | 28.23% | 28.34% | 30.42% | 42.57% | 48.08% | +1,985 bps | |