Toledo, OH · Charter 5989
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 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.
Toledo, OH · Charter 5989
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.80% | 1.72% | 1.81% | 2.03% | -0.04% | -8.11% | -15.88% | -1,769 bps | |
| Return on Equity | 3.51% | 2.86% | 6.42% | 6.43% | 6.83% | -0.12% | -27.47% | -59.89% | -6,632 bps | |
| Net Interest Margin | 5.02% | 4.89% | 5.16% | 5.54% | 6.21% | 6.70% | 4.68% | 5.84% | +30 bps | |
| Efficiency Ratio | 68.45% | 70.30% | 65.50% | 61.97% | 58.54% | 90.18% | 62.44% | 72.21% | +1,024 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.46% | 15.62% | 5.55% | 1.63% | -0.79% | -10.17% | -16.45% | -21.10% | -2,272 bps | |
| Loan Growth (YoY) | 14.55% | 10.86% | 25.35% | 30.41% | 16.89% | 4.55% | -10.10% | -24.71% | -5,513 bps | |
| Share Growth (YoY) | 21.54% | 21.92% | 5.76% | 1.02% | -3.04% | -13.88% | -19.24% | -19.39% | -2,042 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.57% | 2.57% | 2.25% | 1.63% | 2.74% | 7.73% | 7.12% | 1.66% | +3 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 | 0.44% | 0.53% | 0.46% | 0.34% | 0.52% | 0.76% | 2.17% | 0.68% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.88% | 27.90% | 26.85% | 28.12% | 29.69% | 31.02% | 29.54% | 26.52% | -161 bps | |
| Net Worth / Assets | 27.88% | 27.90% | 26.85% | 28.12% | 29.69% | 31.02% | 29.54% | 26.52% | -161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.37% | 101.38% | 101.13% | 110.59% | 114.98% | 123.07% | 112.56% | 103.29% | -730 bps | |
| Liquid Assets / Assets | 28.67% | 24.72% | 24.28% | 18.22% | 16.55% | 12.72% | 20.13% | 22.41% | +419 bps | |