Hicksville, OH · Charter 6124
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.14% | -0.49% | -7.50% | -2.51% | -1.14% | -1.44% | -3.26% | +424 bps | |
| Return on Equity | 0.97% | 0.90% | -2.97% | -67.79% | -22.25% | -9.89% | -12.60% | -34.57% | +3,323 bps | |
| Net Interest Margin | 1.86% | 2.53% | 1.99% | 2.52% | -0.59% | 1.40% | 1.55% | -0.51% | -303 bps | |
| Efficiency Ratio | 91.69% | 94.52% | 124.78% | 97.78% | n/a | 181.09% | 174.00% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.53% | 1.05% | -9.34% | -17.59% | -20.88% | -23.87% | -19.41% | -12.80% | +479 bps | |
| Loan Growth (YoY) | -42.53% | -40.52% | -48.27% | -60.11% | -58.95% | -58.88% | -49.74% | -32.40% | +2,771 bps | |
| Share Growth (YoY) | -2.05% | 1.32% | -11.22% | -13.61% | -16.74% | -20.34% | -13.48% | -10.90% | +271 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 28.43% | 30.69% | 28.46% | 0.00% | 19.21% | 14.68% | 15.50% | 8.52% | +852 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 | 0.78% | 1.61% | 2.06% | 3.15% | 3.57% | 3.92% | 5.41% | 6.16% | +301 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.86% | 15.48% | 16.60% | 11.07% | 11.29% | 11.50% | 11.47% | 9.43% | -164 bps | |
| Net Worth / Assets | 15.86% | 15.48% | 16.60% | 11.07% | 11.29% | 11.50% | 11.47% | 9.43% | -164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.28% | 44.06% | 38.93% | 25.86% | 24.79% | 22.74% | 22.61% | 19.62% | -624 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |