Hannibal, OH · Charter 61016
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.18% | 0.15% | 0.08% | -0.23% | 0.12% | 0.31% | 0.91% | +84 bps | |
| Return on Equity | n/a | 1.38% | 1.21% | 0.60% | -1.96% | 1.00% | 2.56% | 7.64% | +703 bps | |
| Net Interest Margin | 3.85% | 3.91% | 3.61% | 3.65% | 3.62% | 3.72% | 3.88% | 3.88% | +23 bps | |
| Efficiency Ratio | 83.86% | 84.24% | 92.59% | 88.81% | 79.82% | 78.03% | 77.02% | 76.68% | -1,213 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.06% | 0.23% | -0.11% | 1.10% | 11.99% | 12.21% | 5.92% | 9.92% | +882 bps | |
| Loan Growth (YoY) | -4.74% | 1.29% | 0.93% | 1.71% | 1.48% | -3.98% | -3.37% | -7.74% | -944 bps | |
| Share Growth (YoY) | 4.62% | -1.21% | -0.75% | 0.72% | 14.07% | 16.27% | 7.70% | 12.17% | +1,144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 1.70% | 2.12% | 1.08% | 0.80% | 0.97% | 1.30% | 1.24% | +15 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 | 0.61% | 0.90% | 0.91% | 0.45% | 1.08% | 0.98% | 1.07% | 0.94% | +49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 12.91% | 12.43% | 12.57% | 11.49% | 11.66% | 12.04% | 11.96% | -61 bps | |
| Net Worth / Assets | n/a | 12.91% | 12.43% | 12.57% | 11.49% | 11.66% | 12.04% | 11.96% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.08% | 79.99% | 72.44% | 73.33% | 66.79% | 66.06% | 64.99% | 60.32% | -1,301 bps | |
| Liquid Assets / Assets | 11.94% | 18.47% | 18.66% | 20.02% | 23.27% | 22.97% | 23.33% | 24.84% | +482 bps | |