Mansfield, OH · Charter 61074
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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 61074
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.73% | -0.71% | -1.02% | -0.10% | 0.48% | 0.40% | -0.10% | +91 bps | |
| Return on Equity | n/a | n/a | -6.70% | -10.08% | -0.98% | 4.27% | 3.24% | -0.86% | +922 bps | |
| Net Interest Margin | 5.70% | 5.27% | 6.02% | 5.48% | 5.09% | 4.58% | 4.87% | 4.98% | -50 bps | |
| Efficiency Ratio | 83.51% | 90.32% | 93.21% | 104.59% | 97.79% | 86.90% | 88.29% | 91.63% | -1,296 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.45% | -11.94% | -14.77% | -18.60% | -12.30% | -17.48% | -15.27% | -13.08% | +551 bps | |
| Loan Growth (YoY) | -26.84% | -25.43% | -15.28% | -20.93% | -18.84% | -26.75% | -28.94% | -21.39% | -46 bps | |
| Share Growth (YoY) | -16.04% | -12.09% | -13.20% | -16.66% | -9.37% | -17.72% | -16.94% | -14.96% | +170 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.89% | 5.58% | 6.41% | 5.08% | 5.29% | 1.95% | 2.61% | 4.88% | -20 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 | 1.43% | 3.53% | 5.23% | 4.41% | 4.02% | 3.44% | 3.76% | 2.79% | -162 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 10.64% | 10.09% | 10.29% | 11.18% | 12.26% | 12.21% | +212 bps | |
| Net Worth / Assets | n/a | n/a | 10.64% | 10.09% | 10.29% | 11.18% | 12.26% | 12.21% | +212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.56% | 58.13% | 65.25% | 60.57% | 57.81% | 51.74% | 55.83% | 56.00% | -458 bps | |
| Liquid Assets / Assets | 0.00% | 18.47% | 32.46% | 26.99% | 39.32% | 35.91% | 20.51% | 22.36% | -464 bps | |