Wickliffe, OH · Charter 61508
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.
Wickliffe, OH · Charter 61508
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 | -0.56% | 0.02% | -0.01% | 0.00% | 0.08% | 0.21% | 0.50% | 0.47% | +47 bps | |
| Return on Equity | -4.78% | 0.16% | -0.05% | -0.04% | 0.63% | 1.85% | 4.33% | 4.10% | +414 bps | |
| Net Interest Margin | 4.32% | 4.11% | 4.02% | 4.12% | 4.33% | 4.16% | 4.38% | 4.29% | +17 bps | |
| Efficiency Ratio | 93.64% | 94.25% | 93.46% | 91.93% | 91.17% | 91.08% | 86.83% | 86.97% | -496 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.28% | 0.28% | 3.07% | -0.03% | -1.53% | 1.54% | -1.75% | 4.14% | +416 bps | |
| Loan Growth (YoY) | -8.69% | -0.17% | -0.23% | -1.45% | 0.37% | 0.56% | 10.54% | 12.31% | +1,376 bps | |
| Share Growth (YoY) | 5.64% | 0.98% | 4.05% | 0.39% | -1.81% | 1.56% | -2.29% | 4.00% | +362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 0.48% | 0.53% | 0.33% | 0.29% | 0.57% | 0.23% | 0.97% | +64 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 | 0.07% | 0.21% | 0.40% | 0.75% | 0.69% | 0.84% | 0.86% | 1.05% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.65% | 11.50% | 11.12% | 11.39% | 11.90% | 11.44% | 11.65% | 11.36% | -3 bps | |
| Net Worth / Assets | 11.65% | 11.50% | 11.12% | 11.39% | 11.90% | 11.44% | 11.65% | 11.36% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.78% | 58.66% | 54.48% | 55.46% | 59.06% | 58.08% | 61.63% | 59.89% | +443 bps | |
| Liquid Assets / Assets | 38.41% | 33.16% | 37.46% | 46.83% | 39.64% | 44.63% | 35.03% | 39.86% | -696 bps | |