Columbus, OH · Charter 19262
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.24% | 2.33% | 1.87% | 2.80% | 3.17% | 3.30% | 4.01% | -7.96% | -1,076 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.31% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 89.18% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.58% | 8.66% | 10.64% | -0.08% | -7.51% | 0.19% | 2.60% | -5.41% | -533 bps | |
| Loan Growth (YoY) | 1.41% | -5.81% | -2.40% | 13.71% | 9.27% | 3.90% | -0.81% | -20.49% | -3,420 bps | |
| Share Growth (YoY) | -4.21% | 9.64% | 13.73% | 1.12% | -7.90% | -1.56% | 2.64% | 2.92% | +180 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.40% | 5.74% | 3.71% | 8.23% | 11.65% | 10.40% | 12.00% | 20.56% | +1,232 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 | 8.41% | 7.15% | 5.97% | 4.32% | 3.79% | 3.07% | 7.04% | 20.02% | +1,570 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.79% | 75.92% | 75.56% | 90.50% | 86.36% | 80.12% | 73.02% | 69.92% | -2,058 bps | |
| Liquid Assets / Assets | 26.57% | 24.65% | 23.64% | 5.99% | 4.90% | 6.49% | 23.06% | 0.00% | -599 bps | |