Dayton, OH · Charter 3724
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.39% | 0.38% | 0.36% | 0.10% | 0.16% | 0.21% | 0.04% | -32 bps | |
| Return on Equity | 3.71% | 3.13% | 2.93% | 2.71% | 0.73% | 1.19% | 1.61% | 0.41% | -230 bps | |
| Net Interest Margin | 3.44% | 3.26% | 3.25% | 3.35% | 2.98% | 3.00% | 3.01% | 3.15% | -20 bps | |
| Efficiency Ratio | 86.57% | 87.77% | 87.58% | 86.92% | 95.70% | 93.21% | 90.93% | 97.02% | +1,010 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.05% | -8.06% | -6.80% | -8.53% | -4.94% | -5.15% | -2.83% | -4.97% | +356 bps | |
| Loan Growth (YoY) | 6.23% | -0.57% | -3.51% | -7.55% | -11.19% | -2.79% | -5.50% | -7.31% | +23 bps | |
| Share Growth (YoY) | -7.43% | -9.50% | -8.13% | -10.08% | -5.99% | -6.14% | -4.71% | -1.58% | +849 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.29% | 2.40% | 0.75% | 1.20% | 1.97% | 1.60% | 1.59% | 2.27% | +107 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 | 0.34% | 0.36% | 0.41% | 0.55% | 0.59% | 0.38% | 0.54% | 2.90% | +235 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.74% | 12.60% | 12.85% | 13.48% | 13.67% | 13.52% | 13.12% | 10.40% | -308 bps | |
| Net Worth / Assets | 12.74% | 12.60% | 12.85% | 13.48% | 13.67% | 13.52% | 13.12% | 10.40% | -308 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.63% | 58.44% | 59.33% | 58.22% | 56.34% | 60.52% | 58.83% | 54.83% | -339 bps | |
| Liquid Assets / Assets | 26.59% | 31.72% | 30.91% | 27.77% | 25.00% | 25.79% | 47.47% | 50.12% | +2,235 bps | |