Poland, OH · Charter 2355
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -13.14% | 1.04% | 1.33% | 1.31% | -2.06% | -14.14% | -8.83% | -2.55% | -386 bps | |
| Return on Equity | -336% | 23.49% | 26.24% | 23.91% | -36.69% | -4485% | -1231% | -43.40% | -6,731 bps | |
| Net Interest Margin | 3.75% | 3.63% | 3.90% | 3.97% | 3.85% | 5.07% | 4.73% | 5.01% | +104 bps | |
| Efficiency Ratio | 95.49% | 71.48% | 64.59% | 57.93% | 40.26% | 33.66% | 41.45% | 46.70% | -1,123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.01% | -3.96% | -5.45% | -4.50% | -16.98% | -30.76% | -27.21% | -34.88% | -3,038 bps | |
| Loan Growth (YoY) | -15.82% | -19.08% | -22.42% | -15.69% | -23.09% | -37.05% | -39.00% | -38.81% | -2,312 bps | |
| Share Growth (YoY) | 10.28% | 9.99% | -0.68% | -2.55% | -18.24% | -27.62% | -23.90% | -35.00% | -3,245 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.01% | 12.20% | 12.77% | 27.64% | 14.50% | 6.51% | 5.14% | 7.09% | -2,055 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 | 5.44% | 5.64% | 6.24% | 7.38% | 9.58% | 5.96% | 6.82% | 6.83% | -55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.91% | 4.41% | 5.06% | 5.48% | 5.61% | 0.32% | 0.72% | 5.87% | +39 bps | |
| Net Worth / Assets | 3.91% | 4.41% | 5.06% | 5.48% | 5.61% | 0.32% | 0.72% | 5.87% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.25% | 72.71% | 70.86% | 66.64% | 69.84% | 63.24% | 56.79% | 62.73% | -391 bps | |
| Liquid Assets / Assets | 30.60% | 32.54% | 35.04% | 39.35% | 37.82% | 37.76% | 44.80% | 41.34% | +199 bps | |