Greenville, OH · Charter 13116
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.80% | 3.34% | 2.06% | -0.44% | 0.45% | 0.62% | 1.20% | 0.11% | +55 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.29% | 6.62% | 0.52% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.02% | 4.56% | 5.91% | 4.85% | 4.99% | -3 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 93.72% | 89.96% | 88.32% | 77.54% | 91.77% | -195 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.41% | 0.51% | 2.31% | -0.39% | 2.05% | -5.64% | -5.45% | -12.30% | -1,191 bps | |
| Loan Growth (YoY) | -13.88% | -13.91% | -17.58% | -20.28% | -5.88% | -3.57% | -2.95% | -8.90% | +1,137 bps | |
| Share Growth (YoY) | -1.79% | -0.80% | 4.90% | -0.38% | 2.39% | -7.36% | -8.94% | -16.60% | -1,622 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 0.40% | 0.98% | 1.19% | 0.75% | 1.08% | 0.53% | 0.71% | -48 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 | 0.47% | 0.66% | 1.36% | 1.10% | 1.00% | 1.11% | 0.89% | 1.02% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 18.93% | 18.16% | 20.85% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 18.93% | 18.16% | 20.85% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.86% | 74.82% | 67.00% | 72.10% | 61.46% | 77.88% | 71.40% | 78.75% | +665 bps | |
| Liquid Assets / Assets | 30.25% | 29.06% | 31.23% | 31.39% | 42.77% | 34.62% | 39.71% | 34.47% | +308 bps | |