Newark, OH · Charter 13633
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.45% | 0.64% | 0.73% | 0.73% | 0.82% | 0.69% | 0.68% | -5 bps | |
| Return on Equity | 7.54% | 4.74% | 6.48% | 7.30% | 7.15% | 7.75% | 6.37% | 6.12% | -119 bps | |
| Net Interest Margin | 1.11% | 0.95% | 1.07% | 1.05% | 1.03% | 0.99% | 0.94% | 0.94% | -11 bps | |
| Efficiency Ratio | 18.18% | 20.44% | 18.63% | 18.42% | 18.71% | 23.65% | 23.03% | 23.87% | +545 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.99% | 3.73% | 5.39% | 2.04% | 1.16% | -1.31% | -2.30% | -3.87% | -591 bps | |
| Loan Growth (YoY) | -4.41% | -2.69% | 2.01% | 4.01% | 17.83% | 17.40% | 14.08% | 11.49% | +749 bps | |
| Share Growth (YoY) | 2.84% | 4.86% | 4.82% | 2.10% | 1.16% | -2.29% | -2.54% | -4.02% | -612 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.71% | 0.63% | 0.67% | 0.61% | 0.68% | 0.63% | 0.60% | -8 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 | 0.81% | 0.74% | 0.76% | 0.72% | 0.59% | 0.54% | 0.48% | 0.48% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.59% | 9.57% | 9.83% | 10.05% | 10.21% | 10.53% | 10.84% | 11.15% | +111 bps | |
| Net Worth / Assets | 9.59% | 9.57% | 9.83% | 10.05% | 10.21% | 10.53% | 10.84% | 11.15% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.62% | 26.68% | 28.03% | 28.70% | 32.17% | 32.05% | 32.81% | 33.33% | +464 bps | |
| Liquid Assets / Assets | 21.90% | 25.13% | 23.48% | 24.51% | 25.06% | 27.69% | 0.00% | 0.00% | -2,451 bps | |