Columbus, OH · Charter 61530
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.01% | 2.01% | 2.29% | 1.65% | 2.74% | 0.49% | 0.24% | 0.23% | -142 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 | n/a | 2.99% | -28.95% | -65.62% | -64.73% | -66.80% | -6,979 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -22.40% | -9.73% | -58.22% | -53.25% | -50.62% | -2,822 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 4.53% | -38.64% | -84.44% | -83.85% | -85.07% | -8,960 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 6.93% | 0.00% | 12.95% | 12.95% | +1,295 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 | 1.62% | 1.40% | 1.57% | 1.74% | 1.89% | 3.53% | 3.53% | 3.53% | +179 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 | 52.14% | 53.31% | 49.44% | 43.29% | 76.71% | 143.15% | 143.15% | 143.15% | +9,987 bps | |
| Liquid Assets / Assets | 21.29% | 19.58% | 36.69% | 34.91% | 29.43% | 32.30% | 32.30% | 32.30% | -260 bps | |