Fairfield, OH · Charter 1278
Q3 2001
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 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.07% | 0.33% | 0.36% | 0.27% | -0.18% | 0.04% | 0.16% | -20 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 3.00% | -2.16% | 0.48% | 1.90% | n/a | |
| Net Interest Margin | 4.19% | 4.02% | 4.03% | 3.93% | 3.72% | 3.68% | 3.72% | 3.70% | -23 bps | |
| Efficiency Ratio | 87.10% | 90.68% | 93.71% | 92.41% | 92.52% | 96.21% | 93.05% | 91.30% | -111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.65% | 3.91% | 0.40% | 6.30% | 14.42% | 16.30% | 19.63% | 19.57% | +1,327 bps | |
| Loan Growth (YoY) | 3.43% | 8.65% | 12.66% | 19.58% | 27.30% | 28.43% | 23.51% | 15.50% | -407 bps | |
| Share Growth (YoY) | -0.96% | 4.29% | 0.32% | 7.10% | 15.75% | 17.38% | 21.27% | 22.01% | +1,492 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.77% | 1.22% | 1.23% | 1.03% | 0.93% | 0.81% | 1.00% | -23 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 | 0.74% | 0.82% | 0.54% | 0.52% | 0.47% | 0.54% | 0.57% | 0.62% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 8.98% | 8.38% | 8.31% | 8.20% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 8.98% | 8.38% | 8.31% | 8.20% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.30% | 76.23% | 84.24% | 87.95% | 87.21% | 83.41% | 85.79% | 83.26% | -469 bps | |
| Liquid Assets / Assets | 12.85% | 17.73% | 11.45% | 10.23% | 12.47% | 16.16% | 13.35% | 15.08% | +485 bps | |