Lima, OH · Charter 60945
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Lima, OH · Charter 60945
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.42% | 0.41% | 0.58% | 0.57% | 0.59% | 0.05% | -3.41% | -399 bps | |
| Return on Equity | 1.59% | 2.01% | 1.90% | 2.58% | 2.58% | 2.54% | 0.23% | -15.87% | -1,845 bps | |
| Net Interest Margin | 4.14% | 4.04% | 4.05% | 4.28% | 4.24% | 4.45% | 4.43% | 4.66% | +38 bps | |
| Efficiency Ratio | 89.31% | 88.50% | 87.46% | 84.61% | 84.14% | 83.82% | 91.40% | 157.23% | +7,262 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.45% | -0.32% | -4.10% | -6.75% | -0.80% | -7.00% | -1.68% | -1.37% | +538 bps | |
| Loan Growth (YoY) | -7.63% | -8.37% | -7.76% | -9.35% | -7.18% | -2.99% | 1.72% | 1.05% | +1,041 bps | |
| Share Growth (YoY) | -2.68% | -1.10% | -5.81% | -9.23% | -1.81% | -9.66% | -2.83% | -1.79% | +744 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.19% | 0.70% | 0.74% | 0.89% | 0.95% | 1.66% | 0.43% | -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 | 0.75% | 0.67% | 0.82% | 0.97% | 1.11% | 1.18% | 1.19% | 0.51% | -46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.37% | 20.91% | 21.67% | 22.58% | 22.15% | 23.08% | 22.52% | 21.48% | -110 bps | |
| Net Worth / Assets | 21.37% | 20.91% | 21.67% | 22.58% | 22.15% | 23.08% | 22.52% | 21.48% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.21% | 51.17% | 50.99% | 53.66% | 52.19% | 54.95% | 53.37% | 55.21% | +155 bps | |
| Liquid Assets / Assets | 30.32% | 34.50% | 33.30% | 31.25% | 33.44% | 31.78% | 34.71% | 0.00% | -3,125 bps | |