Wickliffe, OH · Charter 61585
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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 61585
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.02% | 0.02% | 0.03% | 0.14% | 0.28% | 0.21% | 0.18% | +15 bps | |
| Return on Equity | -2.01% | -0.19% | 0.18% | 0.19% | 1.03% | 1.94% | 1.40% | 1.09% | +90 bps | |
| Net Interest Margin | 2.70% | 2.81% | 3.10% | 3.18% | 3.36% | 3.56% | 3.82% | 4.11% | +93 bps | |
| Efficiency Ratio | 108.04% | 100.45% | 98.83% | 98.01% | 95.96% | 92.70% | 94.85% | 96.03% | -198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.93% | -4.50% | -10.78% | -12.95% | -13.31% | -14.77% | -12.45% | -16.03% | -308 bps | |
| Loan Growth (YoY) | -16.76% | -19.40% | -6.32% | -2.76% | -1.08% | 6.61% | 4.64% | 2.43% | +520 bps | |
| Share Growth (YoY) | -2.61% | -4.42% | -11.68% | -14.69% | -15.19% | -16.97% | -14.57% | -18.63% | -394 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 1.34% | 0.79% | 0.94% | 0.87% | 0.41% | 0.49% | 0.26% | -68 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 | 1.01% | 0.94% | 0.55% | 0.60% | 1.13% | 0.83% | 0.81% | 0.91% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.82% | 12.26% | 13.16% | 13.45% | 13.76% | 14.57% | 15.20% | 16.19% | +274 bps | |
| Net Worth / Assets | 11.82% | 12.26% | 13.16% | 13.45% | 13.76% | 14.57% | 15.20% | 16.19% | +274 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.01% | 26.78% | 32.18% | 31.46% | 31.51% | 34.39% | 39.42% | 39.60% | +814 bps | |
| Liquid Assets / Assets | 42.41% | 35.77% | 44.34% | 69.15% | 60.16% | 0.00% | 0.00% | 0.00% | -6,915 bps | |