Columbus, OH · Charter 63514
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Columbus, OH · Charter 63514
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | -1.00% | -0.88% | -1.50% | -1.13% | -0.95% | -0.93% | -2.69% | -119 bps | |
| Return on Equity | -8.65% | -13.46% | -11.47% | -21.12% | -17.08% | -14.31% | -13.17% | -41.76% | -2,064 bps | |
| Net Interest Margin | 2.82% | 3.04% | 3.16% | 2.66% | 2.43% | 2.46% | 2.67% | 2.65% | 0 bps | |
| Efficiency Ratio | 121.97% | 136.34% | 130.56% | 155.13% | 145.56% | 137.41% | 133.87% | 197.52% | +4,239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.33% | -16.97% | -19.16% | -5.26% | -4.52% | -0.01% | -3.30% | -7.29% | -202 bps | |
| Loan Growth (YoY) | -25.37% | -19.67% | -14.35% | -11.21% | -25.91% | -23.42% | -14.57% | -5.00% | +621 bps | |
| Share Growth (YoY) | 7.35% | -15.79% | -19.07% | -4.74% | -3.78% | 0.92% | -2.59% | -6.68% | -194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 1.74% | 0.95% | 2.73% | 2.22% | 1.56% | 1.14% | 0.49% | -225 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 | 1.71% | 1.66% | 1.49% | 1.85% | 2.20% | 1.53% | 1.57% | 1.30% | -55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.32% | 7.44% | 7.71% | 7.09% | 6.61% | 6.64% | 7.04% | 6.44% | -65 bps | |
| Net Worth / Assets | 7.32% | 7.44% | 7.71% | 7.09% | 6.61% | 6.64% | 7.04% | 6.44% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.95% | 41.24% | 40.43% | 33.61% | 28.45% | 31.30% | 35.46% | 34.21% | +60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |