Ashland, OH · Charter 61707
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Ashland, OH · Charter 61707
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.68% | 4.08% | -2.51% | -0.16% | 0.12% | -2.91% | -2.32% | 0.17% | +33 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.93% | -25.60% | -17.45% | 1.31% | n/a | |
| Net Interest Margin | n/a | n/a | 5.11% | 5.55% | 5.97% | 6.16% | 6.85% | 4.34% | -121 bps | |
| Efficiency Ratio | n/a | n/a | 92.07% | 98.44% | 89.73% | 73.65% | 71.59% | 96.21% | -223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.29% | 21.74% | 11.28% | 6.94% | 1.26% | -3.78% | -20.19% | -15.59% | -2,253 bps | |
| Loan Growth (YoY) | 13.69% | 19.29% | 3.03% | -2.55% | -1.11% | -21.73% | -40.59% | -52.44% | -4,989 bps | |
| Share Growth (YoY) | 29.23% | 24.54% | 16.15% | 11.77% | 4.44% | 0.79% | -20.89% | -15.63% | -2,740 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.29% | 7.46% | 9.63% | 8.60% | 8.48% | 10.49% | 8.60% | 9.28% | +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 | 2.11% | 1.46% | 4.51% | 3.41% | 2.97% | 3.76% | 4.50% | 5.60% | +219 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.94% | 11.36% | 13.28% | 12.83% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.94% | 11.36% | 13.28% | 12.83% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.20% | 92.41% | 86.35% | 85.99% | 88.24% | 71.76% | 64.85% | 48.47% | -3,751 bps | |
| Liquid Assets / Assets | 17.46% | 17.24% | 8.13% | 6.63% | 22.94% | 36.04% | 42.92% | 42.78% | +3,615 bps | |