Warren, OH · Charter 4590
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -0.10% | 0.11% | 0.23% | 0.13% | 0.14% | -2.03% | -6.20% | -643 bps | |
| Return on Equity | -2.43% | -1.38% | 1.48% | 3.02% | 1.67% | 1.75% | -29.41% | -145.87% | -14,889 bps | |
| Net Interest Margin | 3.47% | 3.55% | 3.57% | 3.75% | 3.91% | 3.93% | 3.78% | 3.75% | 0 bps | |
| Efficiency Ratio | 98.47% | 96.70% | 94.72% | 91.42% | 89.65% | 90.66% | 89.29% | 177.81% | +8,639 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | -3.49% | -8.25% | -8.70% | -5.84% | -2.95% | 2.21% | 6.95% | +1,566 bps | |
| Loan Growth (YoY) | -3.54% | -0.85% | 1.59% | -0.06% | -4.63% | -4.38% | -2.89% | 0.70% | +76 bps | |
| Share Growth (YoY) | -0.60% | -4.09% | -9.26% | -9.04% | -7.49% | -2.54% | 3.77% | 8.99% | +1,803 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 1.23% | 1.08% | 0.98% | 1.05% | 1.41% | 1.56% | 1.50% | +53 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 | 0.29% | 0.32% | 0.31% | 0.29% | 0.32% | 0.33% | 0.33% | 0.53% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.25% | 7.44% | 7.46% | 7.69% | 7.83% | 7.81% | 6.90% | 4.25% | -344 bps | |
| Net Worth / Assets | 7.25% | 7.44% | 7.46% | 7.69% | 7.83% | 7.81% | 6.90% | 4.25% | -344 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.13% | 97.95% | 96.58% | 96.26% | 98.07% | 96.11% | 90.38% | 88.94% | -732 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |