Canton, OH · Charter 61002
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Canton, OH · Charter 61002
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.87% | -0.31% | 0.02% | -0.57% | -1.11% | -0.36% | -0.37% | -0.27% | +30 bps | |
| Return on Equity | -9.92% | -3.78% | 0.20% | -8.74% | -20.29% | -5.91% | -5.89% | -4.17% | +457 bps | |
| Net Interest Margin | 4.00% | 3.84% | 3.44% | 2.82% | 2.76% | 3.28% | 3.61% | 4.05% | +123 bps | |
| Efficiency Ratio | 99.02% | 94.40% | 93.18% | 113.60% | 106.95% | 91.45% | 91.81% | 93.73% | -1,987 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 73.60% | 47.65% | 66.81% | 88.99% | 52.55% | 34.64% | 14.37% | -5.02% | -9,402 bps | |
| Loan Growth (YoY) | 53.94% | 28.99% | 24.54% | 12.63% | 9.56% | 5.33% | 3.33% | 3.00% | -963 bps | |
| Share Growth (YoY) | 88.47% | 76.24% | 77.65% | 104.07% | 57.17% | 36.73% | 15.46% | -5.07% | -10,914 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.75% | 0.66% | 0.59% | 0.44% | 1.08% | 1.24% | 0.83% | +24 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 | 0.67% | 0.55% | 0.23% | 0.00% | 0.47% | 0.46% | 0.51% | 0.50% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.78% | 8.33% | 7.61% | 6.51% | 5.50% | 6.11% | 6.29% | 6.55% | +4 bps | |
| Net Worth / Assets | 8.78% | 8.33% | 7.61% | 6.51% | 5.50% | 6.11% | 6.29% | 6.55% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.90% | 78.15% | 67.93% | 58.49% | 57.09% | 60.21% | 60.80% | 63.46% | +497 bps | |
| Liquid Assets / Assets | 21.88% | 11.10% | 27.10% | 22.49% | 17.57% | 7.33% | 13.35% | 10.66% | -1,183 bps | |