Toledo, OH · Charter 10765
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.22% | -0.83% | -0.18% | 0.11% | 0.17% | -0.09% | -21.10% | -2,092 bps | |
| Return on Equity | 0.93% | 1.33% | -4.93% | -1.01% | 0.59% | 0.87% | -0.46% | -197.12% | -19,611 bps | |
| Net Interest Margin | 3.03% | 3.07% | 3.02% | 3.26% | 3.32% | 3.35% | 3.54% | -12.41% | -1,567 bps | |
| Efficiency Ratio | 74.01% | 74.33% | 77.13% | 78.36% | 77.54% | 78.14% | 72.81% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.68% | -15.98% | -17.61% | -18.74% | -14.63% | -14.37% | -14.85% | -14.05% | +469 bps | |
| Loan Growth (YoY) | -5.69% | -7.30% | -7.17% | -4.33% | 5.35% | 4.58% | -0.43% | -5.54% | -121 bps | |
| Share Growth (YoY) | -20.84% | -18.74% | -20.73% | -22.17% | -17.34% | -17.36% | -18.27% | -6.70% | +1,548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.29% | 4.03% | 1.55% | 4.56% | 3.54% | 2.66% | 3.73% | 4.47% | -9 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 | 1.01% | 1.24% | 1.38% | 1.43% | 1.41% | 1.41% | 1.40% | 4.71% | +328 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.84% | 16.46% | 16.77% | 18.02% | 18.76% | 19.39% | 20.08% | 10.70% | -731 bps | |
| Net Worth / Assets | 15.84% | 16.46% | 16.77% | 18.02% | 18.76% | 19.39% | 20.08% | 10.70% | -731 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.94% | 38.45% | 39.59% | 43.96% | 47.09% | 48.65% | 48.23% | 44.51% | +55 bps | |
| Liquid Assets / Assets | 24.04% | 26.40% | 25.43% | 21.59% | 20.56% | 24.39% | 24.98% | 0.00% | -2,159 bps | |