Madison, OH · Charter 6526
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Madison, OH · Charter 6526
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | -4.25% | -0.06% | 0.10% | -1.05% | -1.11% | -1.38% | -2.29% | -239 bps | |
| Return on Equity | n/a | -27.64% | -0.44% | 0.73% | -8.66% | -8.80% | -10.02% | -15.83% | -1,656 bps | |
| Net Interest Margin | 5.59% | 6.40% | 5.57% | 4.78% | 3.87% | 4.16% | 4.55% | 5.45% | +67 bps | |
| Efficiency Ratio | 105.93% | 99.59% | 101.10% | 108.28% | 126.38% | 126.24% | 129.77% | 141.50% | +3,322 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.23% | 0.61% | 1.54% | 13.60% | 11.20% | 14.68% | -6.26% | -19.16% | -3,277 bps | |
| Loan Growth (YoY) | -22.11% | -22.97% | -36.08% | -20.54% | -10.54% | -4.38% | 14.14% | -3.50% | +1,704 bps | |
| Share Growth (YoY) | -0.13% | 7.90% | 8.74% | 22.12% | 18.96% | 18.49% | -5.89% | -19.64% | -4,176 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.46% | 6.35% | 0.69% | 0.58% | 0.41% | 0.00% | 0.00% | 0.00% | -58 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 | 3.80% | 6.68% | 2.61% | 1.23% | 1.20% | 0.77% | 1.79% | 1.81% | +58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 15.37% | 14.10% | 13.39% | 12.07% | 12.66% | 13.80% | 14.48% | +109 bps | |
| Net Worth / Assets | n/a | 15.37% | 14.10% | 13.39% | 12.07% | 12.66% | 13.80% | 14.48% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.88% | 73.31% | 53.41% | 58.37% | 54.06% | 59.16% | 64.78% | 70.08% | +1,172 bps | |
| Liquid Assets / Assets | 37.82% | 40.25% | 53.22% | 39.74% | 42.95% | 46.93% | 43.25% | 39.10% | -64 bps | |