Athens, OH · Charter 60869
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 | 0.09% | 0.24% | -0.80% | -0.43% | -0.20% | -0.19% | -0.19% | -8.13% | -770 bps | |
| Return on Equity | 0.75% | 1.77% | -5.80% | -3.26% | -1.45% | -1.35% | -1.46% | -90.83% | -8,757 bps | |
| Net Interest Margin | 4.21% | 4.65% | 4.78% | 4.59% | 4.78% | 4.93% | 4.50% | 4.68% | +9 bps | |
| Efficiency Ratio | 93.83% | 92.86% | 98.01% | 99.77% | 98.34% | 97.81% | 102.87% | 147.23% | +4,746 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.38% | -9.65% | -13.05% | -10.51% | -10.47% | -5.50% | -2.31% | -7.34% | +317 bps | |
| Loan Growth (YoY) | 2.09% | -0.17% | -7.53% | -9.21% | -9.40% | -13.14% | -13.20% | -14.92% | -571 bps | |
| Share Growth (YoY) | 0.06% | -13.32% | -14.87% | -11.54% | -9.91% | -3.98% | -1.92% | -4.52% | +702 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.71% | 3.26% | 2.36% | 1.92% | 2.96% | 3.59% | 3.45% | 3.32% | +140 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 | 0.69% | 0.71% | 0.64% | 0.72% | 0.80% | 0.60% | 0.57% | 4.71% | +398 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.32% | 13.59% | 13.81% | 13.17% | 13.78% | 14.19% | 12.88% | 8.95% | -421 bps | |
| Net Worth / Assets | 12.32% | 13.59% | 13.81% | 13.17% | 13.78% | 14.19% | 12.88% | 8.95% | -421 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.03% | 63.31% | 60.13% | 56.44% | 58.36% | 57.27% | 53.22% | 50.30% | -614 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |