Columbus, OH · Charter 20925
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.86% | 4.39% | 3.55% | 0.82% | 1.14% | 1.02% | 1.00% | 0.46% | -37 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 6.51% | 7.05% | 2.89% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 2.55% | 3.00% | 3.48% | 3.22% | 3.20% | +65 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 65.94% | 49.90% | 50.55% | 49.97% | 61.11% | -483 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.40% | 10.71% | 13.05% | 12.27% | 12.91% | 17.94% | 15.25% | 13.91% | +164 bps | |
| Loan Growth (YoY) | -23.07% | -19.78% | -13.26% | 31.40% | 90.59% | 188.60% | 180.08% | 85.35% | +5,396 bps | |
| Share Growth (YoY) | 13.95% | 9.78% | 12.26% | 12.28% | 12.67% | 18.96% | 15.94% | 14.64% | +236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 2.13% | 1.53% | 0.69% | 0.75% | 1.44% | 1.11% | 2.72% | +203 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 | 2.54% | 1.75% | 2.00% | 1.34% | 1.86% | 2.04% | 2.02% | 2.25% | +90 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 15.65% | 14.14% | 15.82% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 15.65% | 14.14% | 15.82% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.50% | 23.02% | 20.40% | 33.15% | 34.68% | 55.85% | 49.28% | 53.59% | +2,045 bps | |
| Liquid Assets / Assets | 81.15% | 79.93% | 75.24% | 63.10% | 62.38% | 51.17% | 57.00% | 53.96% | -914 bps | |