Chillicothe, OH · Charter 17926
Q4 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.46% | 5.81% | 4.22% | 3.06% | -2.55% | -2.20% | -1.66% | -2.75% | -581 bps | |
| Return on Equity | -13.53% | 44.59% | 31.61% | 22.89% | -20.77% | -19.90% | -15.01% | -23.66% | -4,655 bps | |
| Net Interest Margin | 4.59% | 3.75% | 3.63% | 3.57% | 2.62% | 2.14% | 2.33% | 2.43% | -114 bps | |
| Efficiency Ratio | 131.60% | 138.14% | 135.37% | 144.85% | 265% | 253% | 223% | 256% | +11,155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.26% | 13.75% | 13.88% | 12.71% | 11.99% | 7.80% | 7.13% | 5.67% | -704 bps | |
| Loan Growth (YoY) | -32.49% | -29.98% | -28.05% | -23.48% | -20.42% | -4.06% | 8.16% | 7.41% | +3,089 bps | |
| Share Growth (YoY) | 0.25% | 13.16% | 12.21% | 10.46% | 10.08% | 9.98% | 9.82% | 7.85% | -261 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 16.79% | 6.87% | 7.45% | 7.84% | 7.67% | 6.39% | 7.68% | 0.00% | -784 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.77% | 13.02% | 13.36% | 13.38% | 12.25% | 11.07% | 11.09% | 11.61% | -177 bps | |
| Net Worth / Assets | 10.77% | 13.02% | 13.36% | 13.38% | 12.25% | 11.07% | 11.09% | 11.61% | -177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.95% | 32.03% | 31.09% | 30.87% | 26.71% | 27.94% | 30.62% | 30.74% | -13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |