Wilberforce, OH · Charter 22714
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.75% | 0.00% | -5.73% | -0.44% | -4.57% | -3.17% | -3.71% | 1.03% | +147 bps | |
| Return on Equity | -7.74% | 0.00% | -20.00% | -1.41% | -16.23% | -11.07% | -10.34% | 3.19% | +460 bps | |
| Net Interest Margin | 3.02% | 2.83% | 2.44% | 2.34% | 2.13% | 2.13% | 2.62% | 1.88% | -45 bps | |
| Efficiency Ratio | 139.46% | 64.67% | 124.77% | 118.66% | 165.69% | 147.63% | 161.29% | 50.66% | -6,800 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.58% | 7.33% | 8.98% | -6.06% | 0.63% | -8.67% | -27.98% | -12.36% | -630 bps | |
| Loan Growth (YoY) | -11.00% | 1.52% | -12.18% | -24.01% | -28.26% | -33.94% | -28.89% | -26.87% | -286 bps | |
| Share Growth (YoY) | 12.11% | 16.34% | 23.75% | 0.50% | 12.02% | -2.68% | -35.24% | -14.17% | -1,466 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.35% | 13.93% | 9.44% | 11.51% | 0.00% | 0.00% | 0.00% | 0.00% | -1,151 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 | 5.70% | 5.95% | 15.02% | 18.59% | 17.95% | 20.38% | 21.65% | 25.66% | +708 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.48% | 33.03% | 28.67% | 30.91% | 28.18% | 28.63% | 35.86% | 32.34% | +142 bps | |
| Net Worth / Assets | 35.48% | 33.03% | 28.67% | 30.91% | 28.18% | 28.63% | 35.86% | 32.34% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.85% | 26.26% | 21.70% | 20.00% | 19.76% | 17.83% | 23.82% | 17.04% | -296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |