Walbridge, OH · Charter 4021
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.44% | 3.94% | 3.27% | 2.87% | 0.74% | 1.40% | 1.86% | -3.74% | -661 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 | 0.59% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 749% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -24.20% | -21.82% | -16.89% | -14.26% | -6.85% | -6.07% | -1.05% | -7.47% | +679 bps | |
| Loan Growth (YoY) | 24.57% | 41.11% | 42.55% | 11.97% | -4.08% | -13.02% | -18.02% | -28.77% | -4,075 bps | |
| Share Growth (YoY) | -28.86% | -27.45% | -22.45% | -18.99% | -8.66% | -7.19% | -0.05% | -3.69% | +1,529 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 4.27% | 3.81% | 3.85% | 0.00% | 0.20% | 0.20% | 0.00% | -385 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 | 0.58% | 0.71% | 1.05% | 1.45% | 0.18% | 0.53% | 1.08% | 1.21% | -24 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 | 64.62% | 73.86% | 80.58% | 78.19% | 67.86% | 69.22% | 66.09% | 57.83% | -2,036 bps | |
| Liquid Assets / Assets | 29.43% | 23.69% | 17.64% | 20.33% | 42.67% | 42.70% | 41.84% | 21.35% | +102 bps | |