Middleburg Hts, OH · Charter 61143
Q2 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.55% | 3.28% | 3.41% | 2.92% | 0.65% | 1.03% | 1.06% | 0.14% | -278 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 9.52% | 1.30% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.60% | 4.48% | 4.89% | 4.40% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 85.05% | 78.85% | 79.68% | 94.84% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.20% | 6.62% | 9.60% | 10.71% | 10.06% | 11.97% | 8.70% | 9.55% | -116 bps | |
| Loan Growth (YoY) | -14.33% | -15.40% | -14.32% | -6.17% | 14.75% | 21.69% | 28.04% | 24.44% | +3,061 bps | |
| Share Growth (YoY) | 7.22% | 5.00% | 8.31% | 10.00% | 9.39% | 11.26% | 7.63% | 8.83% | -117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.86% | 1.00% | 1.25% | 0.80% | 0.81% | 0.86% | 0.69% | 0.99% | +19 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 | 1.57% | 1.45% | 1.50% | 1.26% | 0.91% | 1.03% | 1.04% | 0.82% | -43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 11.11% | 10.41% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 11.11% | 10.41% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.25% | 48.90% | 48.00% | 46.29% | 54.82% | 53.48% | 57.10% | 52.93% | +664 bps | |
| Liquid Assets / Assets | 25.30% | 32.91% | 40.62% | 44.63% | 27.06% | 34.18% | 43.03% | 40.24% | -440 bps | |