Circleville, OH · Charter 66254
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Circleville, OH · Charter 66254
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 2.88% | 0.65% | -4.67% | -0.15% | -0.13% | -0.21% | 0.35% | +501 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.00% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 7.18% | 6.08% | 8.08% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 87.62% | 84.96% | 86.42% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.68% | 3.73% | 2.89% | -1.93% | -5.87% | -12.43% | -10.84% | -6.56% | -463 bps | |
| Loan Growth (YoY) | 6.19% | -0.84% | -23.18% | -25.77% | -35.35% | -17.83% | 31.13% | 33.63% | +5,941 bps | |
| Share Growth (YoY) | -7.01% | -0.13% | -0.33% | 1.11% | -3.43% | -9.02% | -11.25% | -7.81% | -892 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.88% | 4.25% | 7.56% | 7.66% | 15.58% | 2.95% | 3.84% | 1.85% | -582 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 | 0.60% | 2.22% | 0.67% | 2.29% | 1.87% | 1.85% | 2.39% | 3.22% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.62% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.62% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.61% | 83.82% | 55.59% | 60.53% | 43.93% | 75.71% | 82.13% | 87.74% | +2,721 bps | |
| Liquid Assets / Assets | 32.97% | 19.39% | 37.58% | 34.79% | 51.03% | 13.50% | 21.30% | 20.74% | -1,405 bps | |