Columbus, OH · Charter 96676
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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 96676
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.20% | -0.29% | -8.86% | -9.50% | -6.77% | -5.83% | 0.61% | +947 bps | |
| Return on Equity | 0.82% | 0.78% | -1.08% | -35.82% | -41.16% | -29.53% | -24.55% | 2.41% | +3,823 bps | |
| Net Interest Margin | 5.18% | 5.75% | 5.71% | 5.13% | 4.48% | 4.54% | 4.81% | 4.83% | -30 bps | |
| Efficiency Ratio | 81.55% | 78.83% | 76.97% | 94.47% | 105.15% | 101.17% | 94.25% | 87.52% | -695 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.10% | -8.80% | -9.78% | -14.12% | -16.78% | -9.01% | -11.13% | -13.89% | +23 bps | |
| Loan Growth (YoY) | -15.96% | -24.51% | -28.53% | -34.45% | -37.80% | -37.30% | -40.95% | -38.83% | -439 bps | |
| Share Growth (YoY) | 1.28% | -11.66% | -11.95% | -15.18% | -16.04% | -5.18% | -7.43% | -14.10% | +108 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.10% | 16.56% | 16.51% | 14.42% | 10.49% | 10.04% | 10.61% | 9.66% | -476 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 | 4.73% | 5.04% | 5.34% | 7.22% | 9.02% | 10.03% | 11.24% | 12.80% | +558 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.51% | 25.92% | 26.30% | 24.74% | 23.08% | 22.94% | 23.76% | 25.29% | +55 bps | |
| Net Worth / Assets | 23.51% | 25.92% | 26.30% | 24.74% | 23.08% | 22.94% | 23.76% | 25.29% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.32% | 77.56% | 73.77% | 62.70% | 55.80% | 51.29% | 47.06% | 44.65% | -1,805 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |