Kettering, OH · Charter 16316
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.16% | 0.91% | 1.34% | 1.24% | 1.01% | 0.46% | 0.97% | -37 bps | |
| Return on Equity | 12.11% | 11.91% | 9.64% | 13.11% | 11.55% | 10.21% | 4.71% | 9.82% | -329 bps | |
| Net Interest Margin | 3.82% | 3.89% | 4.09% | 4.37% | 4.51% | 4.13% | 4.31% | 4.39% | +2 bps | |
| Efficiency Ratio | 73.94% | 71.92% | 76.20% | 71.02% | 74.31% | 77.18% | 85.36% | 77.84% | +682 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.35% | 24.19% | 17.91% | 0.89% | -0.38% | 9.82% | 5.21% | 13.04% | +1,216 bps | |
| Loan Growth (YoY) | 3.87% | 4.06% | 12.02% | 10.30% | 11.57% | 17.06% | 15.66% | 20.03% | +973 bps | |
| Share Growth (YoY) | 20.82% | 25.73% | 18.63% | -0.30% | -1.87% | 9.63% | 4.61% | 13.47% | +1,377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.19% | 0.09% | 0.31% | 0.50% | 0.27% | 0.35% | 0.44% | +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 | 0.58% | 0.62% | 0.71% | 0.77% | 0.79% | 0.57% | 0.61% | 0.60% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.46% | 9.75% | 9.44% | 10.23% | 10.73% | 9.89% | 9.84% | 9.90% | -33 bps | |
| Net Worth / Assets | 9.46% | 9.75% | 9.44% | 10.23% | 10.73% | 9.89% | 9.84% | 9.90% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.25% | 69.33% | 70.54% | 75.64% | 78.73% | 74.03% | 77.99% | 80.01% | +438 bps | |
| Liquid Assets / Assets | 33.29% | 33.81% | 29.30% | 24.26% | 22.10% | 24.18% | 21.35% | 18.75% | -551 bps | |