Alliance, OH · Charter 60960
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.80% | 3.44% | 3.09% | 0.71% | 0.72% | 0.90% | 1.14% | 0.37% | -34 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.91% | 7.02% | 2.31% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.82% | 3.82% | 4.37% | 4.78% | 4.01% | +20 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 76.14% | 75.25% | 73.69% | 71.37% | 85.83% | +969 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.99% | -5.16% | -0.29% | -3.47% | -1.27% | -5.07% | -12.08% | -7.20% | -373 bps | |
| Loan Growth (YoY) | -31.11% | -33.48% | -35.23% | -37.10% | -41.29% | -36.55% | -35.29% | -31.67% | +543 bps | |
| Share Growth (YoY) | -10.51% | -7.65% | -2.26% | -5.31% | -2.71% | -7.78% | -16.15% | -9.35% | -403 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 3.28% | 3.93% | 5.10% | 4.20% | 3.14% | 0.95% | 0.17% | -493 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 | 1.50% | 1.78% | 2.36% | 2.26% | 3.39% | 3.60% | 3.90% | 4.45% | +219 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 15.17% | 16.22% | 15.83% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 15.17% | 16.22% | 15.83% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.61% | 46.10% | 38.31% | 35.66% | 31.14% | 31.72% | 29.56% | 26.88% | -878 bps | |
| Liquid Assets / Assets | 34.55% | 55.39% | 60.04% | 44.69% | 40.20% | 45.28% | 54.75% | 74.40% | +2,971 bps | |