Columbus, OH · Charter 2865
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.16% | 0.29% | -0.72% | 1.97% | 1.39% | -1.28% | -0.85% | 1.24% | -72 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -10.00% | -12.96% | -19.97% | -21.03% | -14.76% | -13.08% | -8.96% | +1,101 bps | |
| Loan Growth (YoY) | n/a | 34.63% | -1.33% | -18.47% | -28.21% | -29.34% | -18.43% | -19.34% | -87 bps | |
| Share Growth (YoY) | n/a | -10.00% | -11.87% | -19.91% | -19.90% | -11.54% | -9.81% | -3.90% | +1,601 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.84% | 6.03% | 5.14% | 8.89% | 12.78% | 14.51% | 13.62% | 5.23% | -366 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 | 3.12% | 2.84% | 3.16% | 3.34% | 3.38% | 3.44% | 3.98% | 2.34% | -100 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 112.13% | 105.98% | 105.15% | 96.23% | 100.50% | 84.66% | 95.10% | 80.77% | -1,546 bps | |
| Liquid Assets / Assets | 2.52% | 5.61% | 3.73% | 9.67% | 10.05% | 19.11% | 9.16% | 17.62% | +796 bps | |