Columbus, OH · Charter 64044
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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 64044
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.65% | 0.63% | 0.49% | -0.12% | -70 bps | |
| Return on Equity | 5.23% | 6.25% | 6.05% | 4.73% | -1.12% | -636 bps | |
| Net Interest Margin | 4.51% | 3.95% | 3.84% | 3.95% | 4.04% | -48 bps | |
| Efficiency Ratio | 87.79% | 87.85% | 87.70% | 87.24% | 89.19% | +140 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.61% | 10.57% | 15.20% | 14.68% | 11.52% | +791 bps | |
| Loan Growth (YoY) | 4.92% | -0.85% | -1.46% | 7.26% | 12.20% | +728 bps | |
| Share Growth (YoY) | 3.57% | 8.98% | 11.24% | 10.68% | 7.45% | +388 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.28% | 0.56% | 0.63% | 0.43% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.43% | 0.40% | 0.49% | 0.55% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.20% | 10.48% | 10.38% | 10.42% | 10.38% | -82 bps | |
| Net Worth / Assets | 11.20% | 10.48% | 10.38% | 10.42% | 10.38% | -82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.00% | 67.02% | 68.92% | 73.04% | 73.09% | +309 bps | |
| Liquid Assets / Assets | 18.57% | 18.48% | 13.23% | 10.73% | 13.36% | -521 bps | |