Columbus, OH · Charter 3523
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | 0.07% | -0.58% | -0.33% | -0.82% | -0.68% | -0.92% | -0.42% | -9 bps | |
| Return on Equity | -4.22% | 0.93% | -7.63% | -4.10% | -9.37% | -7.45% | -9.63% | -4.34% | -24 bps | |
| Net Interest Margin | 3.21% | 3.08% | 3.29% | 3.40% | 3.45% | 3.74% | 3.92% | 1.26% | -214 bps | |
| Efficiency Ratio | 93.03% | 97.86% | 102.01% | 95.72% | 103.08% | 104.56% | 112.74% | 123.75% | +2,803 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.01% | -0.15% | -8.45% | -6.36% | -18.65% | -25.41% | -27.37% | -24.60% | -1,824 bps | |
| Loan Growth (YoY) | -43.67% | -46.90% | -43.00% | -38.06% | -34.02% | -46.26% | -47.47% | -41.94% | -388 bps | |
| Share Growth (YoY) | -14.25% | 0.29% | -8.20% | -6.27% | -19.54% | -26.89% | -28.95% | -26.00% | -1,973 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.39% | 7.43% | 8.61% | 10.79% | 13.26% | 13.57% | 9.83% | 4.55% | -624 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 | 5.69% | 5.53% | 6.03% | 7.85% | 6.67% | 6.47% | 5.28% | 5.65% | -219 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.76% | 7.39% | 7.65% | 8.02% | 8.75% | 9.15% | 9.60% | 9.69% | +167 bps | |
| Net Worth / Assets | 7.76% | 7.39% | 7.65% | 8.02% | 8.75% | 9.15% | 9.60% | 9.69% | +167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.53% | 31.55% | 30.58% | 27.48% | 27.50% | 23.19% | 22.61% | 21.56% | -592 bps | |
| Liquid Assets / Assets | 68.92% | 70.50% | 71.45% | 74.66% | 56.49% | 66.97% | 38.30% | 79.00% | +434 bps | |