Jackson, OH · Charter 7588
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 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.
Jackson, OH · Charter 7588
Q4 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | -0.82% | -0.82% | -0.48% | -2.51% | -2.40% | -2.75% | -2.64% | -216 bps | |
| Return on Equity | 3.72% | -9.11% | -7.64% | -4.42% | -24.64% | -22.99% | -28.61% | -29.63% | -2,521 bps | |
| Net Interest Margin | 4.03% | 4.49% | 5.38% | 4.98% | 3.52% | 3.91% | 3.87% | 3.73% | -125 bps | |
| Efficiency Ratio | 94.16% | 118.18% | 114.80% | 109.40% | 170.77% | 160.31% | 170.46% | 169.94% | +6,055 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 59.79% | 21.69% | -1.38% | -38.93% | -39.17% | -22.64% | -7.68% | -6.59% | +3,234 bps | |
| Loan Growth (YoY) | 64.43% | 32.25% | 3.82% | -33.68% | -38.15% | -20.43% | -14.83% | -18.19% | +1,549 bps | |
| Share Growth (YoY) | 56.37% | 19.21% | -1.41% | -41.67% | -41.36% | -23.98% | -6.65% | -4.71% | +3,696 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.88% | 7.26% | 15.53% | 24.06% | 16.01% | 20.02% | 20.14% | 23.17% | -89 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 | 3.43% | 4.26% | 4.90% | 3.96% | 4.46% | 4.27% | 4.61% | 5.06% | +110 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.87% | 8.99% | 10.66% | 10.79% | 10.18% | 10.44% | 9.63% | 8.91% | -188 bps | |
| Net Worth / Assets | 6.87% | 8.99% | 10.66% | 10.79% | 10.18% | 10.44% | 9.63% | 8.91% | -188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.67% | 63.87% | 68.47% | 65.67% | 58.72% | 66.86% | 62.47% | 56.38% | -929 bps | |
| Liquid Assets / Assets | 43.84% | 38.55% | 28.84% | 35.90% | 48.14% | 40.97% | 44.63% | 49.10% | +1,320 bps | |