Columbus, OH · Charter 24295
Q4 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.17% | 1.17% | 1.07% | 1.33% | 1.31% | 1.36% | 1.53% | +46 bps | |
| Return on Equity | 11.08% | 9.70% | 10.56% | 8.83% | 11.94% | 11.10% | 11.29% | 11.97% | +315 bps | |
| Net Interest Margin | 2.81% | 2.94% | 2.88% | 2.89% | 2.95% | 3.12% | 3.18% | 3.30% | +41 bps | |
| Efficiency Ratio | 60.69% | 63.48% | 63.34% | 63.57% | 59.02% | 60.11% | 58.89% | 57.32% | -625 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.80% | 6.25% | 8.95% | 11.48% | 10.75% | 13.03% | 10.32% | 7.87% | -361 bps | |
| Loan Growth (YoY) | 10.47% | 10.47% | 15.25% | 19.21% | 21.11% | 23.11% | 15.88% | 13.22% | -599 bps | |
| Share Growth (YoY) | 10.05% | 5.94% | 8.77% | 11.71% | 10.60% | 12.50% | 9.12% | 7.13% | -458 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.25% | 0.21% | 0.19% | 0.10% | 0.11% | 0.11% | 0.16% | -4 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 | 0.25% | 0.28% | 0.25% | 0.33% | 0.30% | 0.29% | 0.31% | 0.25% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.20% | 12.07% | 11.10% | 12.10% | 11.11% | 11.80% | 12.06% | 12.74% | +64 bps | |
| Net Worth / Assets | 11.20% | 12.07% | 11.10% | 12.10% | 11.11% | 11.80% | 12.06% | 12.74% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.50% | 72.27% | 76.52% | 80.90% | 71.73% | 79.09% | 81.27% | 85.50% | +460 bps | |
| Liquid Assets / Assets | 117.81% | 19.97% | 119.33% | 118.25% | 120.30% | 0.00% | 0.00% | 0.00% | -11,825 bps | |