Richmond Hts., OH · Charter 60995
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.32% | 0.25% | 0.33% | 0.36% | 0.39% | 0.43% | 0.55% | +22 bps | |
| Return on Equity | 3.40% | 2.64% | 2.12% | 2.83% | 2.90% | 3.02% | 3.34% | 4.09% | +126 bps | |
| Net Interest Margin | 3.26% | 3.22% | 3.19% | 3.16% | 3.34% | 3.47% | 3.43% | 3.58% | +42 bps | |
| Efficiency Ratio | 86.52% | 86.66% | 89.54% | 85.41% | 86.42% | 86.33% | 86.76% | 83.80% | -161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | -0.32% | -0.48% | 0.96% | 0.16% | -4.29% | -3.78% | -9.35% | -1,031 bps | |
| Loan Growth (YoY) | -0.29% | 1.19% | -2.72% | -4.56% | -2.66% | -2.20% | 1.97% | 6.29% | +1,085 bps | |
| Share Growth (YoY) | 0.01% | -0.66% | -0.38% | 0.61% | 0.11% | -5.02% | -4.57% | -10.66% | -1,127 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 1.07% | 0.91% | 0.77% | 0.73% | 0.90% | 0.49% | 1.13% | +37 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 | 0.25% | 0.30% | 0.33% | 0.37% | 0.36% | 0.36% | 0.36% | 0.35% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.14% | 11.99% | 11.99% | 11.75% | 12.36% | 12.88% | 12.84% | 13.41% | +166 bps | |
| Net Worth / Assets | 12.14% | 11.99% | 11.99% | 11.75% | 12.36% | 12.88% | 12.84% | 13.41% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.02% | 49.96% | 47.37% | 45.67% | 49.61% | 51.45% | 50.62% | 54.33% | +867 bps | |
| Liquid Assets / Assets | 18.21% | 22.76% | 24.27% | 25.87% | 20.52% | 22.83% | 28.71% | 0.00% | -2,587 bps | |