Alliance, OH · Charter 62913
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Alliance, OH · Charter 62913
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.04% | -0.72% | -0.56% | -0.23% | 0.27% | -0.34% | 0.38% | +94 bps | |
| Return on Equity | 3.64% | 0.41% | -8.36% | -6.51% | -2.42% | 2.97% | -3.98% | 4.14% | +1,066 bps | |
| Net Interest Margin | 4.59% | 4.37% | 3.77% | 3.93% | 4.41% | 4.90% | 4.79% | 4.86% | +93 bps | |
| Efficiency Ratio | 93.04% | 98.61% | 110.45% | 108.16% | 102.33% | 96.23% | 94.61% | 94.87% | -1,329 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.45% | 9.33% | 11.38% | 23.14% | 4.24% | 5.77% | -0.44% | -0.82% | -2,396 bps | |
| Loan Growth (YoY) | 12.75% | -2.07% | -5.24% | -7.27% | 1.33% | 1.67% | 8.26% | 8.43% | +1,570 bps | |
| Share Growth (YoY) | 17.01% | 24.64% | 17.53% | 24.92% | 5.30% | 6.56% | -1.56% | 0.00% | -2,492 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.21% | 2.65% | 2.70% | 2.60% | 1.40% | 3.52% | 2.47% | 2.51% | -9 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 | 1.69% | 1.48% | 1.49% | 1.21% | 0.96% | 1.09% | 1.30% | 0.69% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.14% | 9.82% | 8.59% | 8.62% | 9.37% | 9.13% | 8.60% | 9.19% | +57 bps | |
| Net Worth / Assets | 10.14% | 9.82% | 8.59% | 8.62% | 9.37% | 9.13% | 8.60% | 9.19% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.68% | 66.34% | 58.01% | 60.05% | 68.02% | 63.30% | 63.80% | 65.12% | +506 bps | |
| Liquid Assets / Assets | 23.88% | 21.71% | 21.00% | 20.60% | 18.32% | 24.70% | 26.50% | 20.84% | +24 bps | |