Youngstown, OH · Charter 61794
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.41% | 0.41% | 0.40% | 0.26% | 0.23% | 0.20% | 0.18% | -21 bps | |
| Return on Equity | 5.09% | 5.31% | 5.20% | 4.94% | 3.19% | 2.84% | 2.53% | 2.29% | -265 bps | |
| Net Interest Margin | 3.41% | 3.59% | 3.61% | 3.69% | 3.52% | 3.45% | 3.35% | 3.28% | -40 bps | |
| Efficiency Ratio | 89.23% | 88.60% | 88.63% | 89.58% | 92.63% | 93.26% | 93.89% | 94.63% | +505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.35% | 2.93% | -1.28% | -2.93% | -5.52% | -0.77% | 0.38% | 1.94% | +487 bps | |
| Loan Growth (YoY) | -11.51% | -14.90% | -16.49% | -7.28% | -13.08% | -13.24% | -7.95% | -21.10% | -1,382 bps | |
| Share Growth (YoY) | 4.70% | 3.08% | -1.31% | -3.38% | -6.09% | -1.07% | 0.28% | 1.93% | +530 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.78% | 1.65% | 3.61% | 3.15% | 3.44% | 3.37% | 1.81% | 1.77% | -138 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 | 0.68% | 0.58% | 0.66% | 0.59% | 0.67% | 0.67% | 0.72% | 0.75% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.23% | 7.71% | 7.91% | 8.03% | 7.99% | 8.04% | 8.08% | 8.03% | 0 bps | |
| Net Worth / Assets | 7.23% | 7.71% | 7.91% | 8.03% | 7.99% | 8.04% | 8.08% | 8.03% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.69% | 57.38% | 51.66% | 57.26% | 50.62% | 50.33% | 47.42% | 44.32% | -1,294 bps | |
| Liquid Assets / Assets | 47.60% | 43.82% | 50.72% | 42.82% | 51.42% | 51.63% | 33.96% | 56.96% | +1,415 bps | |