New Philadelphi, OH · Charter 61814
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 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.
New Philadelphi, OH · Charter 61814
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.25% | 1.03% | 1.04% | 0.97% | 1.06% | -5.61% | -4.78% | -22.72% | -2,369 bps | |
| Return on Equity | -48.48% | 9.15% | 8.70% | 7.71% | 7.96% | -49.58% | -37.75% | -11084% | -1,109,184 bps | |
| Net Interest Margin | 6.07% | 6.38% | 6.49% | 6.60% | 6.73% | 4.84% | 5.93% | 7.23% | +63 bps | |
| Efficiency Ratio | 79.60% | 72.89% | 72.92% | 74.08% | 73.11% | 95.94% | 111.48% | 115.97% | +4,189 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.43% | -5.34% | -9.41% | -15.05% | -12.09% | -7.62% | -19.03% | -27.01% | -1,196 bps | |
| Loan Growth (YoY) | 5.68% | 2.47% | -2.78% | -0.20% | 0.69% | -6.04% | -17.90% | -21.72% | -2,153 bps | |
| Share Growth (YoY) | 1.01% | -0.30% | -6.56% | -14.21% | -14.46% | -14.16% | -19.70% | -17.39% | -318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.67% | 2.70% | 2.89% | 3.51% | 11.80% | 14.04% | 12.25% | 8.04% | +454 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 | 3.53% | 3.68% | 3.46% | 3.29% | 3.61% | 3.80% | 2.17% | 11.78% | +849 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.82% | 11.29% | 11.96% | 12.55% | 13.37% | 11.31% | 12.65% | 0.21% | -1,235 bps | |
| Net Worth / Assets | 10.82% | 11.29% | 11.96% | 12.55% | 13.37% | 11.31% | 12.65% | 0.21% | -1,235 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.34% | 82.92% | 86.41% | 92.95% | 96.93% | 90.77% | 88.35% | 88.07% | -488 bps | |
| Liquid Assets / Assets | 15.64% | 13.01% | 12.40% | 4.34% | 14.33% | 23.53% | 0.00% | 0.00% | -434 bps | |