Toledo, OH · Charter 61097
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Toledo, OH · Charter 61097
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 1.07% | 1.41% | 1.51% | 1.60% | 0.69% | 1.60% | 1.07% | -44 bps | |
| Return on Equity | 1.73% | 4.74% | 8.02% | 8.56% | 8.01% | 3.52% | 7.85% | 5.24% | -333 bps | |
| Net Interest Margin | 6.18% | 6.12% | 6.62% | 6.69% | 7.34% | 6.33% | 6.85% | 4.57% | -212 bps | |
| Efficiency Ratio | 94.20% | 82.48% | 78.66% | 77.51% | 78.18% | 89.05% | 76.58% | 76.58% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.55% | -10.68% | -17.19% | -9.74% | -18.76% | -10.36% | -4.04% | -7.08% | +266 bps | |
| Loan Growth (YoY) | -11.62% | -14.05% | -4.99% | 5.97% | 4.05% | 8.17% | -6.22% | -1.58% | -754 bps | |
| Share Growth (YoY) | -2.95% | -14.23% | -16.06% | -7.58% | -18.55% | -7.52% | -7.57% | -10.51% | -293 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 7.41% | 7.41% | +741 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 | 1.68% | 1.81% | 1.67% | 1.76% | 1.61% | 1.67% | 1.78% | 1.78% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.73% | 22.61% | 17.60% | 17.58% | 20.00% | 19.70% | 20.44% | 20.44% | +285 bps | |
| Net Worth / Assets | 20.73% | 22.61% | 17.60% | 17.58% | 20.00% | 19.70% | 20.44% | 20.44% | +285 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.09% | 79.04% | 84.97% | 78.39% | 98.49% | 92.45% | 86.21% | 86.21% | +782 bps | |
| Liquid Assets / Assets | 38.03% | 37.43% | 11.41% | 17.32% | 21.16% | 25.26% | 31.07% | 31.07% | +1,375 bps | |