Brooklyn, OH · Charter 61652
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 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.
Brooklyn, OH · Charter 61652
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.50% | 0.28% | -0.39% | -0.14% | -0.26% | 0.13% | -0.75% | -37 bps | |
| Return on Equity | 4.58% | 4.19% | 2.31% | -3.15% | -1.05% | -1.93% | 0.92% | -5.60% | -244 bps | |
| Net Interest Margin | 4.14% | 4.08% | 4.03% | 3.41% | 3.50% | 3.67% | 3.75% | 3.34% | -7 bps | |
| Efficiency Ratio | 81.48% | 82.30% | 88.60% | 107.73% | 102.04% | 105.64% | 95.96% | 121.98% | +1,424 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.62% | 2.11% | 0.32% | -3.41% | -11.51% | -12.02% | -10.32% | -8.21% | -481 bps | |
| Loan Growth (YoY) | -19.72% | -10.80% | 0.44% | -9.20% | -2.72% | 15.40% | 15.21% | 14.52% | +2,372 bps | |
| Share Growth (YoY) | 6.46% | 2.62% | 0.15% | -4.07% | -12.93% | -13.36% | -11.69% | -9.22% | -515 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.05% | 2.14% | 2.23% | 0.59% | 0.00% | 0.00% | 0.05% | 0.05% | -54 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 | 2.70% | 3.23% | 3.50% | 1.76% | 1.74% | 1.69% | 1.79% | 2.30% | +54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.48% | 12.02% | 12.12% | 12.33% | 12.91% | 13.36% | 13.64% | 13.48% | +115 bps | |
| Net Worth / Assets | 11.48% | 12.02% | 12.12% | 12.33% | 12.91% | 13.36% | 13.64% | 13.48% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.93% | 39.90% | 39.61% | 39.92% | 44.61% | 53.14% | 51.67% | 50.36% | +1,044 bps | |
| Liquid Assets / Assets | 37.51% | 37.50% | 44.54% | 43.31% | 38.66% | 30.37% | 32.16% | 33.54% | -977 bps | |