Elyria, OH · Charter 63170
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 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.
Elyria, OH · Charter 63170
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | -9.82% | -5.70% | -5.29% | -0.23% | -33 bps | |
| Return on Equity | 0.82% | -164.67% | -94.80% | -64.94% | -3.23% | -406 bps | |
| Net Interest Margin | 6.17% | 4.55% | 4.30% | 5.78% | 5.12% | -105 bps | |
| Efficiency Ratio | 98.14% | 120.85% | 108.91% | 101.43% | 104.53% | +640 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.98% | -6.86% | 19.12% | -20.82% | 3.48% | +646 bps | |
| Loan Growth (YoY) | -3.84% | -29.21% | -14.18% | -22.42% | -21.95% | -1,811 bps | |
| Share Growth (YoY) | -3.04% | -1.87% | 26.74% | -19.18% | 9.03% | +1,207 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.69% | 0.00% | 0.00% | 3.28% | 0.00% | -769 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 2.09% | 0.84% | 0.92% | 0.94% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.82% | 5.96% | 6.01% | 8.15% | 7.23% | -459 bps | |
| Net Worth / Assets | 11.82% | 5.96% | 6.01% | 8.15% | 7.23% | -459 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.71% | 53.87% | 55.76% | 67.97% | 59.20% | -2,350 bps | |
| Liquid Assets / Assets | 24.94% | 47.51% | 45.45% | 28.22% | 42.79% | +1,785 bps | |