Akron, OH · Charter 63288
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.
Akron, OH · Charter 63288
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 | -1.93% | -2.07% | -2.68% | -2.22% | -2.00% | -1.91% | -2.20% | -2.09% | +14 bps | |
| Return on Equity | -11.11% | -11.97% | -16.45% | -16.26% | -13.49% | -11.75% | -14.47% | -12.04% | +423 bps | |
| Net Interest Margin | 5.71% | 5.71% | 5.07% | 4.56% | 5.19% | 5.83% | 5.18% | 6.52% | +196 bps | |
| Efficiency Ratio | 133.07% | 135.46% | 151.88% | 147.93% | 137.75% | 132.16% | 141.73% | 131.32% | -1,662 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.29% | -17.08% | -17.16% | 5.52% | 2.82% | -5.20% | -3.42% | -28.74% | -3,426 bps | |
| Loan Growth (YoY) | -31.31% | -27.70% | -9.85% | 13.16% | 38.57% | 21.93% | -5.98% | -12.11% | -2,527 bps | |
| Share Growth (YoY) | -28.04% | -18.33% | -18.04% | 9.47% | 6.07% | -3.95% | -1.97% | -31.61% | -4,108 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.50% | 4.18% | 2.89% | 0.00% | 0.00% | 2.43% | 2.05% | -83 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 | 1.09% | 1.06% | 0.92% | 0.84% | 0.79% | 0.87% | 0.97% | 0.96% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.34% | 17.26% | 16.32% | 13.67% | 14.82% | 16.29% | 15.19% | 17.32% | +365 bps | |
| Net Worth / Assets | 17.34% | 17.26% | 16.32% | 13.67% | 14.82% | 16.29% | 15.19% | 17.32% | +365 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.65% | 74.50% | 84.26% | 77.17% | 92.29% | 94.57% | 80.81% | 99.16% | +2,200 bps | |
| Liquid Assets / Assets | 39.36% | 35.83% | 26.74% | 31.19% | 19.53% | 18.14% | 29.14% | 15.63% | -1,555 bps | |