Plain City, OH · Charter 61087
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 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.
Plain City, OH · Charter 61087
Q2 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.19% | 0.27% | -1.41% | 0.21% | -0.65% | 0.34% | 0.40% | +182 bps | |
| Return on Equity | 2.82% | 1.15% | 1.68% | -9.61% | 1.51% | -4.44% | 2.29% | 2.72% | +1,233 bps | |
| Net Interest Margin | 5.08% | 4.69% | 4.56% | 4.00% | 4.15% | 4.51% | 4.72% | 4.85% | +85 bps | |
| Efficiency Ratio | 83.96% | 89.16% | 85.68% | 98.97% | 95.53% | 95.46% | 84.11% | 82.94% | -1,603 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.61% | 11.81% | 16.09% | 23.94% | 22.90% | 8.17% | 6.04% | -4.52% | -2,847 bps | |
| Loan Growth (YoY) | 17.47% | 18.01% | 4.92% | 0.15% | 2.85% | -0.72% | -2.40% | -1.30% | -145 bps | |
| Share Growth (YoY) | 17.15% | 13.40% | 18.69% | 28.50% | 28.51% | 10.75% | 8.10% | -4.74% | -3,323 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 2.94% | 3.99% | 6.35% | 5.46% | 5.65% | 3.75% | 3.08% | -327 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 | 0.86% | 1.00% | 1.23% | 1.15% | 1.87% | 1.71% | 1.69% | 1.53% | +37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.63% | 16.40% | 16.26% | 14.67% | 14.00% | 14.68% | 14.76% | 14.89% | +22 bps | |
| Net Worth / Assets | 17.63% | 16.40% | 16.26% | 14.67% | 14.00% | 14.68% | 14.76% | 14.89% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.97% | 89.00% | 85.60% | 74.45% | 76.82% | 79.79% | 77.29% | 77.14% | +268 bps | |
| Liquid Assets / Assets | 11.70% | 18.83% | 16.63% | 27.30% | 17.51% | 28.72% | 24.93% | 23.14% | -416 bps | |