Canton, OH · Charter 61081
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.
Canton, OH · Charter 61081
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.51% | -2.49% | -1.64% | -3.66% | -2.49% | -198 bps | |
| Return on Equity | -5.81% | -20.75% | -13.95% | -37.07% | -33.75% | -2,794 bps | |
| Net Interest Margin | 5.21% | 3.81% | 4.58% | 4.16% | 1.76% | -345 bps | |
| Efficiency Ratio | 95.87% | 142.42% | 124.72% | 163.51% | 161.39% | +6,551 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.49% | -1.77% | -1.70% | 4.92% | 7.24% | +1,574 bps | |
| Loan Growth (YoY) | -4.94% | -18.45% | -22.41% | -28.90% | -32.75% | -2,781 bps | |
| Share Growth (YoY) | -8.44% | -4.91% | -4.88% | 3.80% | 8.53% | +1,697 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.23% | 3.21% | 4.21% | 3.39% | 4.40% | +117 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.80% | 2.68% | 2.88% | 4.02% | 3.91% | +111 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.70% | 12.01% | 11.78% | 9.86% | 7.38% | -133 bps | |
| Net Worth / Assets | 8.70% | 12.01% | 11.78% | 9.86% | 7.38% | -133 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.30% | 32.94% | 31.33% | 30.50% | 26.21% | -1,609 bps | |
| Liquid Assets / Assets | 36.59% | 40.64% | 40.20% | 41.72% | 45.12% | +853 bps | |