Toledo, OH · Charter 24519
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.20% | 1.62% | 0.12% | 0.26% | 0.30% | 1.39% | 0.46% | -0.39% | -65 bps | |
| Return on Equity | 30.54% | 21.72% | 1.43% | 3.56% | 3.89% | 18.29% | 5.04% | -4.16% | -772 bps | |
| Net Interest Margin | 4.16% | 3.71% | 2.80% | 2.27% | 2.27% | 1.69% | 1.92% | 1.57% | -70 bps | |
| Efficiency Ratio | 63.47% | 70.03% | 95.05% | 91.90% | 91.32% | 70.07% | 91.23% | 107.97% | +1,607 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.77% | 9.54% | -1.51% | 17.43% | 4.05% | 3.18% | -2.78% | -23.29% | -4,072 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | 302% | 386% | 414% | n/a | |
| Share Growth (YoY) | 20.55% | 5.91% | -4.91% | 16.09% | 3.39% | 3.34% | -3.08% | -24.71% | -4,080 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | n/a | 0.00% | 8.46% | 9.56% | 4.60% | 1.18% | 0.00% | 0.00% | -956 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 | n/a | 20.94% | 21.97% | 26.23% | 13.66% | 6.58% | 3.82% | 4.08% | -2,215 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.22% | 7.45% | 8.30% | 7.28% | 7.79% | 7.60% | 9.05% | 9.32% | +204 bps | |
| Net Worth / Assets | 7.22% | 7.45% | 8.30% | 7.28% | 7.79% | 7.60% | 9.05% | 9.32% | +204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.00% | 0.92% | 1.30% | 0.98% | 2.16% | 3.59% | 6.53% | 6.68% | +570 bps | |
| Liquid Assets / Assets | 96.70% | 96.47% | 95.76% | 90.06% | 93.48% | 80.22% | 88.79% | 88.46% | -160 bps | |