Painesville, OH · Charter 61270
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.39% | 3.59% | 3.71% | 3.51% | 3.71% | 3.82% | 3.73% | 3.42% | -9 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 3.36% | -4.54% | 4.12% | -4.63% | -1.39% | 13.44% | +1,798 bps | |
| Loan Growth (YoY) | n/a | n/a | 56.12% | 9.59% | 1.33% | 10.49% | 1.31% | -13.73% | -2,332 bps | |
| Share Growth (YoY) | n/a | n/a | 1.24% | -6.64% | 2.42% | -6.85% | -3.25% | 13.16% | +1,979 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.38% | 3.23% | 1.64% | 0.78% | 0.41% | 0.71% | 0.90% | -74 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 | 1.21% | 0.82% | 0.89% | 0.68% | 0.78% | 0.73% | 0.55% | 0.47% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.25% | 69.59% | 65.52% | 70.89% | 73.46% | 82.55% | 68.61% | 54.05% | -1,684 bps | |
| Liquid Assets / Assets | 20.03% | 30.27% | 29.72% | 22.51% | 31.33% | 18.96% | 29.78% | 43.77% | +2,127 bps | |