Hubbard, OH · Charter 60933
Q2 2000
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.34% | 3.15% | 2.88% | 2.62% | 2.77% | 2.57% | -1.42% | 0.08% | -254 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 | 5.12% | 5.84% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 89.92% | 86.46% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.20% | 8.47% | 4.61% | 2.96% | 6.62% | 4.45% | 0.90% | -10.58% | -1,354 bps | |
| Loan Growth (YoY) | 24.04% | 21.62% | 16.70% | 16.33% | 1.14% | -9.65% | -16.93% | -22.37% | -3,870 bps | |
| Share Growth (YoY) | 3.13% | 8.38% | 3.77% | 2.60% | 7.12% | 5.24% | 2.96% | -10.55% | -1,314 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 1.62% | 4.36% | 3.01% | 2.54% | 1.88% | 4.06% | 4.37% | +136 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 | 1.56% | 1.25% | 1.46% | 2.38% | 0.46% | 1.18% | 3.11% | 4.02% | +164 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 | 67.54% | 65.31% | 71.41% | 67.43% | 63.77% | 56.07% | 57.61% | 58.52% | -891 bps | |
| Liquid Assets / Assets | 17.40% | 22.51% | 21.25% | 28.99% | 34.57% | 34.84% | 31.73% | 24.29% | -470 bps | |