Lima, OH · Charter 13119
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 2.15% | 0.52% | -0.22% | -1.14% | 0.32% | -0.98% | -0.49% | -26 bps | |
| Return on Equity | 3.38% | 18.90% | 4.73% | -1.93% | -10.47% | 3.45% | -12.01% | -5.18% | -325 bps | |
| Net Interest Margin | 5.38% | 5.04% | 4.80% | 5.47% | 5.73% | 5.37% | 4.84% | 4.60% | -87 bps | |
| Efficiency Ratio | 82.97% | 90.92% | 88.88% | 90.23% | 87.80% | 101.88% | 104.38% | 100.18% | +995 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.06% | 0.09% | 3.76% | -2.51% | -6.03% | -5.15% | -2.28% | -2.98% | -47 bps | |
| Loan Growth (YoY) | 0.04% | -2.63% | -7.71% | -8.80% | -14.93% | -16.89% | -18.71% | -19.30% | -1,050 bps | |
| Share Growth (YoY) | -1.18% | -0.93% | 4.01% | -2.94% | -5.50% | -2.83% | 0.96% | -0.30% | +263 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.52% | 8.52% | 6.89% | 6.70% | 3.17% | 3.20% | 3.00% | 2.93% | -376 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 | 1.22% | 0.76% | 0.77% | 0.78% | 0.82% | 1.03% | 0.89% | 0.99% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.41% | 11.38% | 11.04% | 11.65% | 10.86% | 9.14% | 8.13% | 9.44% | -221 bps | |
| Net Worth / Assets | 11.41% | 11.38% | 11.04% | 11.65% | 10.86% | 9.14% | 8.13% | 9.44% | -221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.63% | 81.70% | 79.28% | 86.98% | 81.59% | 69.88% | 63.83% | 70.40% | -1,658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |