Zanesville, OH · Charter 21849
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.94% | 5.83% | 4.01% | 4.35% | 3.38% | 1.90% | 0.98% | 1.40% | -295 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.09% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.31% | 5.03% | 6.25% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 63.84% | 81.34% | 76.50% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.26% | 10.74% | 7.90% | 15.44% | 14.42% | 3.89% | -2.50% | -7.41% | -2,286 bps | |
| Loan Growth (YoY) | 2.13% | 5.00% | 10.24% | 13.31% | 2.49% | 7.62% | -8.94% | -2.73% | -1,604 bps | |
| Share Growth (YoY) | 0.69% | 5.23% | 3.80% | 13.44% | 13.56% | 0.83% | -6.74% | -13.75% | -2,719 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.95% | 0.49% | 1.44% | 0.66% | 0.56% | 0.70% | 0.09% | -135 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 | 0.67% | 0.71% | 0.55% | 0.53% | 0.37% | 0.64% | 0.49% | 0.24% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 27.56% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 27.56% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.45% | 108.49% | 90.08% | 101.18% | 86.14% | 115.79% | 87.96% | 114.12% | +1,293 bps | |
| Liquid Assets / Assets | 21.58% | 9.74% | 21.84% | 11.02% | 25.25% | 0.00% | 26.17% | 6.83% | -419 bps | |