Columbus, OH · Charter 5254
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 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.
Columbus, OH · Charter 5254
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.02% | 0.15% | -1.45% | -8.55% | -6.00% | -10.51% | -3.71% | -226 bps | |
| Return on Equity | 1.25% | 0.11% | 0.64% | -6.74% | -47.05% | -33.51% | -72.68% | -26.47% | -1,973 bps | |
| Net Interest Margin | 5.44% | 5.15% | 5.53% | 4.21% | 4.97% | 4.75% | 5.41% | 5.02% | +82 bps | |
| Efficiency Ratio | 92.46% | 95.29% | 98.22% | 122.53% | 114.71% | 113.89% | 182.23% | 152.01% | +2,947 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.92% | -3.82% | -3.63% | -0.36% | -0.87% | -2.43% | -4.16% | -15.37% | -1,501 bps | |
| Loan Growth (YoY) | -7.82% | -5.47% | 0.77% | 3.25% | -3.74% | -2.47% | -8.90% | -16.99% | -2,023 bps | |
| Share Growth (YoY) | -11.09% | -5.04% | -4.90% | 0.05% | 4.50% | 2.28% | 4.09% | -7.09% | -714 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.63% | 5.35% | 6.66% | 5.76% | 3.37% | 3.48% | 3.96% | 1.42% | -434 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 | 1.96% | 2.37% | 1.63% | 0.83% | 4.56% | 5.19% | 3.77% | 4.79% | +396 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.24% | 21.77% | 23.93% | 21.48% | 18.17% | 17.92% | 14.46% | 14.02% | -746 bps | |
| Net Worth / Assets | 22.24% | 21.77% | 23.93% | 21.48% | 18.17% | 17.92% | 14.46% | 14.02% | -746 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.22% | 62.35% | 69.71% | 60.24% | 60.08% | 59.46% | 61.01% | 53.82% | -642 bps | |
| Liquid Assets / Assets | 46.41% | 48.13% | 43.78% | 49.36% | 48.58% | 50.26% | 47.59% | 52.07% | +271 bps | |