Warren, OH · Charter 17063
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 0.78% | 0.83% | 0.75% | 0.67% | 0.46% | 0.13% | -0.82% | -157 bps | |
| Return on Equity | 5.71% | 4.23% | 4.39% | 4.03% | 3.56% | 2.33% | 0.64% | -3.90% | -793 bps | |
| Net Interest Margin | 5.36% | 4.59% | 4.58% | 4.37% | 4.33% | 4.14% | 4.06% | 3.98% | -39 bps | |
| Efficiency Ratio | 78.12% | 85.36% | 84.33% | 85.25% | 86.76% | 90.34% | 73.05% | 113.17% | +2,792 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.30% | 4.55% | 2.16% | 4.98% | 8.88% | -2.56% | -5.62% | -13.08% | -1,807 bps | |
| Loan Growth (YoY) | 2.55% | -3.90% | -8.46% | -15.16% | -17.97% | -20.92% | -25.85% | -26.07% | -1,091 bps | |
| Share Growth (YoY) | -1.15% | 4.04% | 1.33% | 5.04% | 10.24% | -3.96% | -7.42% | -15.66% | -2,070 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.39% | 0.42% | 0.44% | 0.29% | 0.13% | 0.00% | 0.20% | -24 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 | 0.78% | 0.84% | 0.86% | 0.90% | 0.80% | 0.68% | 0.55% | 0.58% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.77% | 18.44% | 19.02% | 18.70% | 18.83% | 19.53% | 20.50% | 21.02% | +232 bps | |
| Net Worth / Assets | 19.77% | 18.44% | 19.02% | 18.70% | 18.83% | 19.53% | 20.50% | 21.02% | +232 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.86% | 46.73% | 46.63% | 43.13% | 40.82% | 38.48% | 37.34% | 37.81% | -532 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |