N. Kingsville, OH · Charter 21656
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.96% | -1.68% | -1.36% | 1.21% | -4.74% | -5.49% | -5.09% | -0.98% | -218 bps | |
| Return on Equity | -4.09% | -7.51% | -6.18% | 5.54% | -33.42% | -43.59% | -35.87% | -6.16% | -1,170 bps | |
| Net Interest Margin | 2.97% | 2.92% | 2.94% | 4.29% | 2.88% | 2.80% | 3.36% | 4.44% | +15 bps | |
| Efficiency Ratio | 121.61% | 116.28% | 115.78% | 73.34% | 80.19% | 131.76% | 132.20% | 121.47% | +4,812 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.87% | 20.85% | 18.11% | 3.93% | 1.53% | 5.01% | -10.12% | -22.62% | -2,655 bps | |
| Loan Growth (YoY) | -7.78% | -5.54% | -3.24% | -10.81% | -19.20% | -20.23% | -14.49% | 4.71% | +1,552 bps | |
| Share Growth (YoY) | 35.59% | 32.69% | 27.64% | 6.38% | 11.47% | 18.84% | -1.24% | -16.75% | -2,314 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.71% | 12.29% | 8.53% | 9.38% | 5.34% | 2.15% | 7.51% | 0.55% | -883 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 | 0.24% | 0.04% | 0.11% | 0.00% | 3.93% | 6.12% | 6.49% | 6.38% | +638 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.41% | 22.35% | 22.05% | 21.78% | 14.18% | 12.59% | 14.19% | 15.84% | -594 bps | |
| Net Worth / Assets | 23.41% | 22.35% | 22.05% | 21.78% | 14.18% | 12.59% | 14.19% | 15.84% | -594 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.15% | 68.58% | 63.70% | 56.47% | 49.40% | 46.03% | 55.15% | 71.03% | +1,456 bps | |
| Liquid Assets / Assets | 44.55% | 45.88% | 45.55% | 49.86% | 56.53% | 59.95% | 51.92% | 39.94% | -992 bps | |