Lima, OH · Charter 96802
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Lima, OH · Charter 96802
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.80% | -1.01% | -1.17% | -1.59% | -1.66% | -1.69% | -1.77% | -1.69% | -10 bps | |
| Return on Equity | -17.70% | -9.90% | -11.91% | -18.39% | -19.78% | -21.37% | -22.55% | -23.83% | -544 bps | |
| Net Interest Margin | 3.60% | 3.26% | 3.33% | 2.88% | 2.83% | 2.76% | 2.87% | 2.55% | -33 bps | |
| Efficiency Ratio | 116.82% | 120.93% | 123.58% | 139.73% | 141.10% | 141.67% | 141.37% | 142.06% | +233 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.02% | -5.34% | -8.30% | -4.12% | -3.63% | -0.47% | -2.91% | -1.62% | +250 bps | |
| Loan Growth (YoY) | -19.94% | -17.12% | -21.75% | -26.33% | -26.20% | -20.42% | -16.12% | -14.57% | +1,176 bps | |
| Share Growth (YoY) | 0.88% | -3.88% | -7.02% | -1.55% | -1.72% | 1.82% | -0.84% | 0.19% | +175 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.14% | 0.43% | 0.33% | 0.11% | 0.00% | 0.02% | 0.03% | -30 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 | 1.16% | 1.18% | 1.12% | 1.32% | 1.11% | 1.10% | 1.18% | 1.30% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.16% | 10.17% | 9.81% | 8.65% | 8.39% | 7.89% | 7.85% | 7.09% | -157 bps | |
| Net Worth / Assets | 10.16% | 10.17% | 9.81% | 8.65% | 8.39% | 7.89% | 7.85% | 7.09% | -157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.96% | 56.03% | 53.49% | 45.60% | 44.28% | 43.79% | 45.24% | 38.88% | -672 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |