Columbus, OH · Charter 60952
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | 0.10% | 0.27% | 0.28% | 0.26% | 0.27% | 0.36% | 0.22% | -6 bps | |
| Return on Equity | -1.72% | 0.78% | 2.16% | 2.22% | 2.05% | 2.29% | 3.08% | 1.91% | -32 bps | |
| Net Interest Margin | 3.29% | 3.31% | 3.38% | 3.46% | 3.44% | 3.17% | 3.31% | 3.20% | -26 bps | |
| Efficiency Ratio | 99.34% | 92.58% | 94.45% | 92.33% | 93.26% | 92.39% | 92.63% | 93.27% | +94 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.63% | 3.28% | 6.05% | 1.22% | 0.28% | 8.95% | 10.08% | 12.67% | +1,145 bps | |
| Loan Growth (YoY) | 0.27% | 6.02% | 5.43% | 8.00% | 6.92% | 2.12% | 3.86% | -2.23% | -1,023 bps | |
| Share Growth (YoY) | 0.98% | 3.98% | 11.75% | 5.64% | 5.20% | 14.32% | 11.95% | 14.89% | +924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 0.57% | 0.62% | 0.46% | 0.43% | 0.67% | 0.76% | 0.58% | +11 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 | 0.60% | 0.49% | 0.49% | 0.52% | 0.52% | 0.56% | 0.51% | 0.54% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.25% | 12.36% | 12.43% | 12.63% | 12.53% | 11.60% | 11.58% | 11.46% | -118 bps | |
| Net Worth / Assets | 12.25% | 12.36% | 12.43% | 12.63% | 12.53% | 11.60% | 11.58% | 11.46% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.97% | 71.86% | 69.00% | 70.97% | 69.08% | 64.19% | 64.01% | 60.39% | -1,057 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |