Independence, OH · Charter 21337
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.40% | 0.07% | 0.34% | 0.50% | 0.40% | 0.18% | 0.00% | -34 bps | |
| Return on Equity | 3.59% | 3.81% | 0.71% | 3.34% | 4.56% | 3.65% | 1.65% | 0.00% | -334 bps | |
| Net Interest Margin | 3.44% | 3.40% | 2.89% | 2.94% | 3.03% | 2.74% | 2.53% | 2.29% | -65 bps | |
| Efficiency Ratio | 72.10% | 73.55% | 89.95% | 84.34% | 81.15% | 87.62% | 91.44% | 98.12% | +1,378 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.31% | 7.50% | 13.18% | 6.82% | 0.65% | 0.89% | -3.98% | 1.52% | -530 bps | |
| Loan Growth (YoY) | -3.62% | -18.18% | -12.09% | -6.93% | -7.65% | 8.36% | -0.48% | -1.89% | +505 bps | |
| Share Growth (YoY) | 12.83% | 7.56% | 14.72% | 7.46% | 0.15% | 0.48% | -4.90% | 4.39% | -307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 1.24% | 0.22% | 2.22% | 0.38% | 0.56% | 1.05% | 0.11% | -211 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 | 1.50% | 1.96% | 1.93% | 2.01% | 1.86% | 1.48% | 1.65% | 0.86% | -114 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.51% | 10.61% | 9.97% | 10.20% | 10.94% | 10.92% | 10.80% | 7.70% | -249 bps | |
| Net Worth / Assets | 10.51% | 10.61% | 9.97% | 10.20% | 10.94% | 10.92% | 10.80% | 7.70% | -249 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.53% | 52.14% | 52.91% | 53.68% | 52.13% | 56.23% | 55.37% | 50.45% | -323 bps | |
| Liquid Assets / Assets | 48.04% | 51.92% | 51.12% | 50.64% | 52.26% | 36.41% | 49.85% | 52.41% | +176 bps | |