Mt. Vernon, OH · Charter 62621
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.
Mt. Vernon, OH · Charter 62621
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 | 0.02% | -0.13% | 0.02% | 0.17% | -0.08% | -0.35% | 0.30% | 0.42% | +25 bps | |
| Return on Equity | 0.21% | -1.65% | 0.28% | 2.14% | -1.10% | -4.79% | 3.88% | 5.92% | +378 bps | |
| Net Interest Margin | 3.89% | 3.52% | 3.27% | 2.32% | 3.48% | 3.41% | 3.66% | 3.50% | +118 bps | |
| Efficiency Ratio | 92.56% | 97.90% | 95.22% | 90.76% | 95.14% | 94.60% | 88.69% | 87.59% | -316 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.03% | 7.18% | 7.90% | 7.27% | 5.07% | 7.87% | 3.97% | 14.13% | +686 bps | |
| Loan Growth (YoY) | 4.58% | -1.14% | 0.82% | 9.40% | 19.71% | 20.04% | 17.24% | 7.19% | -221 bps | |
| Share Growth (YoY) | 4.46% | 7.86% | 13.32% | 5.82% | 5.34% | 8.42% | 4.14% | 19.76% | +1,394 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.87% | 2.32% | 1.89% | 2.43% | 1.50% | 2.89% | 2.74% | 1.97% | -46 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 | 0.77% | 0.68% | 0.56% | 0.56% | 0.51% | 0.66% | 0.60% | 0.61% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.19% | 8.04% | 7.84% | 7.94% | 7.71% | 7.31% | 7.60% | 7.11% | -83 bps | |
| Net Worth / Assets | 8.19% | 8.04% | 7.84% | 7.94% | 7.71% | 7.31% | 7.60% | 7.11% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.20% | 72.12% | 76.55% | 88.61% | 86.59% | 79.85% | 86.18% | 79.31% | -930 bps | |
| Liquid Assets / Assets | 23.73% | 25.53% | 21.20% | 15.57% | 13.66% | 19.13% | 0.00% | 0.00% | -1,557 bps | |