Dayton, OH · Charter 61072
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.08% | 0.10% | 0.03% | 0.13% | 0.17% | -0.34% | -0.69% | -72 bps | |
| Return on Equity | 0.80% | 0.39% | 0.55% | 0.15% | 0.67% | 0.81% | -1.53% | -2.82% | -297 bps | |
| Net Interest Margin | 2.72% | 2.68% | 2.58% | 2.62% | 2.77% | 2.89% | 2.51% | 2.58% | -4 bps | |
| Efficiency Ratio | 94.57% | 97.26% | 96.14% | 98.96% | 95.41% | 94.08% | 110.96% | 123.71% | +2,475 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.48% | 5.13% | -1.62% | -0.15% | -0.75% | -6.37% | -13.23% | -21.77% | -2,161 bps | |
| Loan Growth (YoY) | -18.57% | -31.22% | -29.59% | -28.42% | -29.07% | -35.08% | -34.35% | -42.09% | -1,367 bps | |
| Share Growth (YoY) | 7.06% | 5.94% | -2.35% | -0.25% | -1.17% | -7.82% | -16.20% | -26.48% | -2,623 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.68% | 2.48% | 4.06% | 4.14% | 12.88% | 1.54% | 8.13% | 11.76% | +763 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 | 2.09% | 1.33% | 1.60% | 1.81% | 2.53% | 1.24% | 1.54% | 2.18% | +37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.99% | 19.13% | 18.85% | 19.04% | 19.53% | 20.97% | 22.18% | 24.61% | +557 bps | |
| Net Worth / Assets | 18.99% | 19.13% | 18.85% | 19.04% | 19.53% | 20.97% | 22.18% | 24.61% | +557 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.23% | 29.27% | 25.55% | 23.67% | 20.98% | 20.61% | 20.02% | 18.64% | -502 bps | |
| Liquid Assets / Assets | 29.28% | 34.37% | 32.26% | 33.29% | 35.43% | 32.46% | 29.93% | 25.02% | -827 bps | |