Toledo, OH · Charter 63407
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 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.
Toledo, OH · Charter 63407
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.16% | 0.31% | 0.40% | 0.80% | 0.81% | 0.89% | 0.93% | +53 bps | |
| Return on Equity | 1.65% | 0.80% | 1.52% | 1.90% | 3.71% | 3.68% | 3.83% | 3.92% | +202 bps | |
| Net Interest Margin | 2.74% | 2.86% | 3.03% | 3.13% | 3.31% | 3.42% | 3.63% | 3.75% | +63 bps | |
| Efficiency Ratio | 87.16% | 83.40% | 80.96% | 79.73% | 75.09% | 74.47% | 73.20% | 72.74% | -699 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.14% | -5.69% | -6.36% | -5.74% | -7.75% | -7.05% | -7.80% | -7.82% | -208 bps | |
| Loan Growth (YoY) | 8.47% | -7.03% | 0.92% | 0.81% | 4.29% | 11.55% | 9.62% | 8.98% | +817 bps | |
| Share Growth (YoY) | 15.86% | -6.81% | -8.13% | -7.58% | -10.32% | -10.22% | -10.44% | -11.08% | -350 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 1.50% | 1.10% | 1.51% | 1.47% | 1.39% | 1.25% | 1.17% | -34 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 | 0.56% | 0.74% | 0.71% | 0.72% | 0.78% | 0.72% | 0.69% | 0.78% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.47% | 19.82% | 20.54% | 21.06% | 21.62% | 22.05% | 23.11% | 23.78% | +272 bps | |
| Net Worth / Assets | 19.47% | 19.82% | 20.54% | 21.06% | 21.62% | 22.05% | 23.11% | 23.78% | +272 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.42% | 50.19% | 55.83% | 56.88% | 57.47% | 62.36% | 68.34% | 69.71% | +1,283 bps | |
| Liquid Assets / Assets | 27.87% | 27.02% | 48.46% | 31.77% | 35.55% | 30.85% | 26.94% | 34.63% | +286 bps | |