Dayton, OH · Charter 61302
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.01% | 0.14% | 0.14% | 0.28% | 0.02% | -0.06% | 0.07% | -7 bps | |
| Return on Equity | 0.25% | -0.05% | 0.91% | 0.87% | 1.77% | 0.10% | -0.35% | 0.39% | -48 bps | |
| Net Interest Margin | 3.71% | 4.01% | 4.06% | 4.04% | 4.17% | 4.14% | 4.16% | 4.50% | +45 bps | |
| Efficiency Ratio | 98.25% | 98.93% | 96.29% | 96.45% | 94.12% | 98.58% | 99.82% | 98.13% | +167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.13% | -1.73% | -5.73% | 0.04% | -2.36% | 1.37% | -0.27% | -8.93% | -897 bps | |
| Loan Growth (YoY) | 8.21% | 1.19% | -5.11% | -7.04% | -9.37% | -8.03% | -5.71% | -8.80% | -176 bps | |
| Share Growth (YoY) | 4.85% | -2.24% | -6.94% | -0.16% | -3.07% | 1.35% | -0.43% | -12.39% | -1,223 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 0.91% | 0.80% | 1.07% | 1.59% | 1.05% | 1.49% | 1.64% | +57 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 | 0.45% | 0.39% | 0.45% | 0.50% | 0.59% | 0.70% | 0.81% | 1.12% | +62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.40% | 15.78% | 15.83% | 15.69% | 16.00% | 15.80% | 16.01% | 17.42% | +173 bps | |
| Net Worth / Assets | 15.40% | 15.78% | 15.83% | 15.69% | 16.00% | 15.80% | 16.01% | 17.42% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.00% | 58.12% | 56.30% | 56.70% | 57.04% | 52.75% | 53.32% | 59.02% | +232 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |