Hamilton, OH · Charter 16080
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.11% | 0.84% | 0.13% | 0.19% | 0.12% | 0.17% | 0.04% | -9 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.83% | 1.16% | 0.27% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.73% | 5.97% | 6.39% | 6.01% | 5.79% | -95 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 98.09% | 96.76% | 98.16% | 97.26% | 99.36% | +127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.03% | 0.36% | 2.66% | -8.15% | -8.83% | -6.43% | -7.62% | 5.37% | +1,353 bps | |
| Loan Growth (YoY) | 19.17% | -2.41% | -2.78% | -1.51% | -16.06% | -1.44% | -0.32% | -7.06% | -555 bps | |
| Share Growth (YoY) | 18.94% | 0.83% | 4.03% | -9.06% | -10.04% | -7.66% | -8.98% | 6.16% | +1,522 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.81% | 5.36% | 2.26% | 3.86% | 4.78% | 3.62% | 3.94% | 5.06% | +120 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 | 0.43% | 1.26% | 0.91% | 0.93% | 1.04% | 1.02% | 0.64% | 0.74% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 14.32% | 14.30% | 13.61% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 14.32% | 14.30% | 13.61% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.61% | 89.79% | 85.06% | 94.23% | 80.81% | 95.84% | 93.15% | 82.49% | -1,174 bps | |
| Liquid Assets / Assets | 15.15% | 14.05% | 20.48% | 15.67% | 21.82% | 17.82% | 19.74% | 28.03% | +1,236 bps | |