Brook Park, OH · Charter 61012
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Brook Park, OH · Charter 61012
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.22% | 3.69% | 2.44% | -1.51% | -0.80% | -1.71% | -5.43% | -787 bps | |
| Return on Equity | n/a | 3.48% | 9.49% | 5.57% | -3.12% | -1.58% | -3.38% | -10.65% | -1,622 bps | |
| Net Interest Margin | 4.13% | 4.54% | 7.02% | 6.15% | 3.21% | 3.57% | 3.12% | 1.85% | -430 bps | |
| Efficiency Ratio | 75.94% | 73.33% | 47.60% | 60.48% | 147.12% | 122.31% | 154.78% | 394% | +33,313 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.94% | -10.66% | -12.15% | -20.60% | -27.45% | -31.52% | -29.23% | -24.01% | -340 bps | |
| Loan Growth (YoY) | -17.61% | -19.22% | -12.80% | -23.92% | -37.60% | -49.32% | -49.48% | -62.66% | -3,874 bps | |
| Share Growth (YoY) | -18.00% | -17.54% | -22.19% | -34.95% | -44.06% | -48.17% | -43.24% | -33.95% | +99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 2.35% | 10.74% | 20.39% | 16.67% | 33.14% | 55.01% | 27.49% | +710 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 | 10.16% | 9.03% | 5.15% | 4.30% | 9.67% | 22.30% | 25.48% | 0.08% | -422 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 34.99% | 38.88% | 43.75% | 48.50% | 50.37% | 50.49% | 51.04% | +728 bps | |
| Net Worth / Assets | n/a | 34.99% | 38.88% | 43.75% | 48.50% | 50.37% | 50.49% | 51.04% | +728 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.92% | 29.33% | 28.98% | 31.41% | 31.14% | 28.68% | 25.79% | 17.76% | -1,365 bps | |
| Liquid Assets / Assets | 75.12% | 80.15% | 61.39% | 30.21% | 82.93% | 82.19% | 84.44% | 89.58% | +5,937 bps | |