Alliance, OH · Charter 63281
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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 63281
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -0.25% | -0.87% | -0.78% | -0.75% | -0.79% | -0.49% | -0.10% | +68 bps | |
| Return on Equity | -0.83% | -1.86% | -6.80% | -6.16% | -5.52% | -6.04% | -3.70% | -0.69% | +546 bps | |
| Net Interest Margin | 3.99% | 4.12% | 3.77% | 3.79% | 4.15% | 4.06% | 4.07% | 4.31% | +53 bps | |
| Efficiency Ratio | 102.26% | 102.23% | 115.13% | 111.20% | 106.53% | 105.48% | 99.63% | 94.70% | -1,649 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | 1.16% | -1.05% | -1.42% | -8.64% | -3.90% | -7.98% | -11.16% | -975 bps | |
| Loan Growth (YoY) | 10.10% | 6.67% | 1.05% | 0.69% | -1.67% | -4.55% | -1.62% | -3.96% | -465 bps | |
| Share Growth (YoY) | 5.31% | 1.60% | 0.33% | -0.14% | -8.74% | -3.28% | -8.48% | -12.62% | -1,248 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 1.00% | 0.99% | 0.30% | 0.86% | 0.36% | 0.35% | 0.29% | 0 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 | 0.21% | 0.46% | 0.41% | 0.11% | 0.42% | 0.11% | 0.38% | 0.52% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.10% | 13.40% | 12.84% | 12.66% | 13.60% | 13.15% | 13.26% | 13.81% | +115 bps | |
| Net Worth / Assets | 13.10% | 13.40% | 12.84% | 12.66% | 13.60% | 13.15% | 13.26% | 13.81% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.66% | 61.96% | 57.83% | 59.81% | 64.29% | 61.14% | 62.17% | 65.74% | +593 bps | |
| Liquid Assets / Assets | 21.24% | 20.30% | 29.16% | 23.33% | 21.67% | 28.82% | 31.47% | 29.04% | +570 bps | |