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Ohiohealth

Columbus, OH · Charter 64044

Q1 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ohiohealth

Columbus, OH · Charter 64044

Q1 2004

$27.0MAssets
$16.8MLoans
$23.0MShares
$2.8MNet Worth

Executive Summary

  • Earnings: ROA of -0.12%, down 70 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.43% of loans (-2 bps YoY).
  • Capital: net worth / assets of 10.38%, down 82 bps from a year ago.
  • Funding: loans stand at 73.09% of shares as of Q1 2004.

Return on Assets (YTD, annualized)

-0.12%-70 bps YoY

Net Interest Margin (YTD, annualized)

4.04%-48 bps YoY

Efficiency Ratio (YTD, annualized)

89.19%+140 bps YoY

Net Worth / Assets

10.38%-82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets0.31%0.46%0.75%0.59%0.65%0.63%0.49%-0.12%-70 bps
Return on Equity2.90%4.19%6.62%5.23%6.25%6.05%4.73%-1.12%-636 bps
Net Interest Margin4.22%4.45%4.56%4.51%3.95%3.84%3.95%4.04%-48 bps
Efficiency Ratio88.28%86.05%84.43%87.79%87.85%87.70%87.24%89.19%+140 bps
Growth
Asset Growth (YoY)25.28%16.80%7.78%3.61%10.57%15.20%14.68%11.52%+791 bps
Loan Growth (YoY)24.50%25.08%16.37%4.92%-0.85%-1.46%7.26%12.20%+728 bps
Share Growth (YoY)26.71%18.17%7.03%3.57%8.98%11.24%10.68%7.45%+388 bps
Asset Quality
Delinquent Loans / Loans0.15%0.49%0.42%0.45%0.28%0.56%0.63%0.43%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.53%0.65%0.54%0.55%0.43%0.40%0.49%0.55%0 bps
Capital
Risk-Based Capital10.64%11.01%11.39%11.20%10.48%10.38%10.42%10.38%-82 bps
Net Worth / Assets10.64%11.01%11.39%11.20%10.48%10.38%10.42%10.38%-82 bps
Liquidity & Funding
Loans / Shares73.66%77.80%75.37%70.00%67.02%68.92%73.04%73.09%+309 bps
Liquid Assets / Assets20.10%21.05%21.23%18.57%18.48%13.23%10.73%13.36%-521 bps