Dayton, OH · Charter 13356
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.46% | 2.74% | 3.09% | 2.74% | 3.20% | 2.57% | 2.86% | 2.57% | -16 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 2.87% | -3.08% | -1.35% | -0.13% | -8.10% | -4.24% | -5.56% | -421 bps | |
| Loan Growth (YoY) | n/a | 15.27% | 0.40% | -13.00% | -8.06% | -5.42% | -7.48% | 0.10% | +1,310 bps | |
| Share Growth (YoY) | n/a | 1.77% | -0.64% | -0.11% | 0.63% | -9.96% | -5.58% | -6.86% | -676 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.45% | 1.80% | 1.30% | 1.26% | 1.89% | 1.64% | 1.89% | +59 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 | 1.34% | 1.21% | 1.03% | 0.70% | 0.95% | 0.96% | 0.79% | 0.96% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.70% | 74.81% | 79.39% | 73.12% | 83.79% | 78.58% | 77.79% | 78.58% | +546 bps | |
| Liquid Assets / Assets | 3.74% | 21.10% | 13.03% | 17.72% | 11.22% | 8.81% | 15.27% | 8.81% | -892 bps | |