Berea, OH · Charter 16829
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.65% | 2.84% | 3.08% | 3.14% | 2.36% | 0.30% | 0.89% | 1.38% | -176 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.16% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.50% | 4.27% | 4.90% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 93.49% | 80.00% | 83.21% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.02% | -9.45% | -7.24% | -9.98% | -7.48% | -10.85% | -6.50% | -17.57% | -758 bps | |
| Loan Growth (YoY) | -1.38% | -5.07% | -3.20% | -16.82% | -31.09% | -27.51% | -30.33% | -28.43% | -1,160 bps | |
| Share Growth (YoY) | -8.14% | -11.55% | -9.33% | -12.18% | -9.38% | -13.00% | -5.05% | -19.75% | -756 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.13% | 4.43% | 9.72% | 7.89% | 11.77% | 4.49% | 3.39% | 6.88% | -101 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 | 2.09% | 2.06% | 2.19% | 2.55% | 3.12% | 2.94% | 2.45% | 1.76% | -79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.04% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.04% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.00% | 70.33% | 71.87% | 65.15% | 52.47% | 58.60% | 52.74% | 58.10% | -705 bps | |
| Liquid Assets / Assets | 32.48% | 18.31% | 15.57% | 40.43% | 51.39% | 0.42% | 0.43% | 14.91% | -2,552 bps | |