Ashland, OH · Charter 15667
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.20% | 3.15% | -1.05% | 5.06% | 4.89% | 3.84% | 4.23% | 4.14% | -92 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 | n/a | n/a | -12.00% | -6.13% | -9.77% | -1.42% | -1.33% | +1,068 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -46.68% | -39.79% | -27.34% | -12.40% | -4.18% | +4,251 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -2.38% | 5.95% | -5.98% | -3.38% | -2.80% | -43 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.26% | 10.74% | 7.50% | 4.67% | 6.10% | 6.96% | 6.57% | 5.57% | +90 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 | 0.57% | 0.20% | 0.12% | 1.93% | 2.37% | 2.72% | 1.66% | 1.11% | -83 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 | 101.31% | 76.47% | 64.13% | 55.49% | 57.57% | 59.10% | 58.14% | 54.71% | -78 bps | |
| Liquid Assets / Assets | 5.92% | 22.12% | 35.60% | 41.08% | 43.35% | 48.95% | 42.90% | 52.06% | +1,098 bps | |