Toledo, OH · Charter 4412
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Toledo, OH · Charter 4412
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.87% | 0.96% | -1.51% | -1.82% | -0.66% | -253 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -2.73% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.18% | 4.12% | 4.39% | n/a | |
| Efficiency Ratio | n/a | n/a | 95.26% | 96.47% | 91.97% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -9.96% | -5.66% | -5.99% | -7.21% | -6.25% | +371 bps | |
| Loan Growth (YoY) | -27.77% | -11.53% | 0.77% | -0.54% | 6.21% | +3,398 bps | |
| Share Growth (YoY) | -12.78% | -6.19% | -6.21% | -6.78% | -5.45% | +733 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.85% | 17.48% | 9.85% | 19.25% | 29.97% | +1,613 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.15% | 4.69% | 0.02% | 4.31% | 5.88% | +74 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 24.05% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 24.05% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.17% | 59.99% | 54.51% | 59.01% | 54.12% | +594 bps | |
| Liquid Assets / Assets | 64.09% | 44.32% | 8.55% | 42.95% | 47.05% | -1,704 bps | |