Dayton, OH · Charter 15601
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.48% | 0.84% | 0.82% | 0.85% | 0.71% | 0.66% | -5.80% | -662 bps | |
| Return on Equity | 4.04% | 3.41% | 5.89% | 5.75% | 5.64% | 4.64% | 4.30% | -47.31% | -5,305 bps | |
| Net Interest Margin | 3.89% | 3.87% | 4.35% | 4.24% | 4.49% | 4.64% | 4.17% | 4.12% | -13 bps | |
| Efficiency Ratio | 85.81% | 86.12% | 73.53% | 75.12% | 77.69% | 82.17% | 82.87% | 234% | +15,889 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.09% | -4.24% | -4.38% | -0.88% | -2.44% | -6.55% | -5.49% | -6.51% | -563 bps | |
| Loan Growth (YoY) | -5.59% | -3.04% | -4.47% | -0.13% | 0.79% | 8.99% | 5.11% | 1.54% | +167 bps | |
| Share Growth (YoY) | -8.57% | -5.45% | -5.60% | -1.66% | -3.49% | -7.86% | -6.59% | -4.43% | -277 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.99% | 3.40% | 2.38% | 2.37% | 2.95% | 2.50% | 2.21% | 2.51% | +14 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 | 1.16% | 0.65% | 0.70% | 0.84% | 0.86% | 0.81% | 0.67% | 0.60% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.18% | 14.05% | 14.28% | 14.33% | 15.00% | 15.25% | 15.26% | 12.26% | -207 bps | |
| Net Worth / Assets | 14.18% | 14.05% | 14.28% | 14.33% | 15.00% | 15.25% | 15.26% | 12.26% | -207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.89% | 70.21% | 69.40% | 71.66% | 75.08% | 83.05% | 78.09% | 76.14% | +447 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |