Mansfield, OH · Charter 60903
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 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.
Mansfield, OH · Charter 60903
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.64% | 0.48% | 0.34% | 0.34% | 0.16% | 0.30% | 0.26% | -7 bps | |
| Return on Equity | 9.08% | 8.42% | 6.28% | 4.37% | 4.23% | 2.05% | 3.95% | 3.47% | -90 bps | |
| Net Interest Margin | 4.90% | 3.61% | 3.57% | 3.39% | 3.48% | 3.21% | 3.20% | 3.17% | -21 bps | |
| Efficiency Ratio | 80.54% | 84.93% | 86.72% | 85.72% | 84.72% | 84.18% | 84.25% | 83.63% | -209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.04% | 2.20% | 0.75% | 7.95% | 6.69% | 7.41% | 8.51% | 5.14% | -281 bps | |
| Loan Growth (YoY) | 15.35% | -2.73% | -11.72% | -8.71% | -4.42% | -0.99% | 8.88% | 11.89% | +2,061 bps | |
| Share Growth (YoY) | 3.74% | 1.76% | 0.65% | 6.06% | 6.36% | 7.01% | 3.72% | -0.92% | -698 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.20% | 0.39% | 0.38% | 0.44% | 0.43% | 0.59% | 0.69% | +31 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 | 0.69% | 0.66% | 0.67% | 0.74% | 0.74% | 0.79% | 0.76% | 0.72% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.75% | 7.58% | 7.67% | 7.68% | 7.99% | 7.64% | 7.69% | 7.57% | -11 bps | |
| Net Worth / Assets | 7.75% | 7.58% | 7.67% | 7.68% | 7.99% | 7.64% | 7.69% | 7.57% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.19% | 85.29% | 83.87% | 83.30% | 83.75% | 78.91% | 88.04% | 94.08% | +1,077 bps | |
| Liquid Assets / Assets | 6.62% | 14.26% | 11.83% | 11.72% | 12.67% | 10.05% | 9.49% | 10.22% | -150 bps | |