Brook Park, OH · Charter 62140
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 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.
Brook Park, OH · Charter 62140
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.14% | 0.08% | 0.14% | -0.06% | 0.07% | -3.70% | -14.98% | -1,513 bps | |
| Return on Equity | 0.35% | 0.63% | 0.33% | 0.60% | -0.25% | 0.33% | -16.92% | -90.48% | -9,108 bps | |
| Net Interest Margin | 3.63% | 3.56% | 3.84% | 3.99% | 4.18% | 3.77% | 4.36% | -3.37% | -736 bps | |
| Efficiency Ratio | 97.82% | 96.12% | 97.99% | 96.49% | 95.08% | 90.82% | 184.58% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.35% | 6.23% | -0.27% | -2.26% | -6.42% | 2.16% | 3.05% | -1.16% | +111 bps | |
| Loan Growth (YoY) | 1.36% | 8.48% | 9.08% | 17.65% | 21.74% | 1.62% | -6.45% | -20.51% | -3,817 bps | |
| Share Growth (YoY) | 7.89% | 8.01% | -0.57% | -3.20% | -8.41% | 2.68% | 4.70% | 7.95% | +1,115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.35% | 3.73% | 4.42% | 3.96% | 4.14% | 2.82% | 4.11% | 2.92% | -104 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 | 1.24% | 0.76% | 0.73% | 0.69% | 0.02% | 0.27% | 0.32% | 4.24% | +355 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.86% | 22.28% | 23.43% | 23.77% | 24.48% | 21.88% | 21.87% | 16.56% | -721 bps | |
| Net Worth / Assets | 22.86% | 22.28% | 23.43% | 23.77% | 24.48% | 21.88% | 21.87% | 16.56% | -721 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.43% | 69.41% | 76.76% | 83.14% | 84.31% | 68.69% | 68.58% | 61.22% | -2,192 bps | |
| Liquid Assets / Assets | 49.38% | 44.03% | 38.71% | 34.36% | 33.75% | 43.48% | 44.00% | 0.00% | -3,436 bps | |