Canton, OH · Charter 61523
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 | 4.10% | 4.04% | 1.32% | 3.14% | 0.19% | 1.62% | 0.23% | -16.85% | -1,998 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 2.90% | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.86% | 6.29% | 6.71% | 5.55% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 87.03% | 75.35% | 79.68% | 96.75% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.05% | 6.59% | 14.13% | 13.67% | 20.15% | 19.56% | 9.25% | -7.45% | -2,112 bps | |
| Loan Growth (YoY) | 11.46% | 4.17% | 7.21% | 17.56% | 19.62% | 30.07% | 16.19% | -15.26% | -3,282 bps | |
| Share Growth (YoY) | 7.87% | 6.35% | 18.25% | 18.05% | 25.47% | 23.06% | 9.60% | 6.08% | -1,197 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.89% | 3.40% | 0.03% | 2.97% | 3.57% | 3.09% | 7.10% | 6.32% | +336 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 | 0.35% | 0.19% | 0.58% | 1.20% | 1.20% | 1.29% | 1.61% | 10.31% | +911 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 7.82% | -5.94% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 7.82% | -5.94% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.87% | 88.37% | 88.04% | 88.06% | 88.54% | 93.41% | 93.34% | 70.35% | -1,771 bps | |
| Liquid Assets / Assets | 2.59% | 10.28% | 0.00% | 12.47% | 10.30% | 3.72% | 11.40% | 27.66% | +1,519 bps | |