Elyria, OH · Charter 62213
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.22% | 0.34% | 0.90% | 0.82% | 0.51% | 0.27% | 0.62% | -28 bps | |
| Return on Equity | 2.42% | 0.83% | 1.22% | 3.20% | 2.92% | 1.84% | 0.96% | 2.24% | -96 bps | |
| Net Interest Margin | 3.50% | 2.97% | 3.27% | 3.26% | 3.16% | 3.09% | 3.06% | 2.69% | -57 bps | |
| Efficiency Ratio | 81.62% | 92.63% | 85.64% | 72.43% | 74.01% | 83.52% | 90.93% | 76.88% | +446 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.19% | 6.69% | -0.25% | -0.16% | -2.91% | -3.08% | 0.47% | 2.64% | +280 bps | |
| Loan Growth (YoY) | -7.32% | -2.68% | 1.00% | -10.11% | -8.39% | -9.61% | -17.44% | -6.94% | +317 bps | |
| Share Growth (YoY) | 3.58% | 8.59% | -1.04% | -0.99% | -4.75% | -5.05% | -0.06% | 3.16% | +414 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.32% | 1.31% | 0.97% | 1.33% | 1.72% | 1.38% | 1.42% | +45 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 | 1.23% | 1.21% | 0.88% | 0.97% | 1.01% | 0.97% | 1.03% | 1.01% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.63% | 26.26% | 27.61% | 28.12% | 28.19% | 27.76% | 28.02% | 27.77% | -35 bps | |
| Net Worth / Assets | 26.63% | 26.26% | 27.61% | 28.12% | 28.19% | 27.76% | 28.02% | 27.77% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.42% | 54.33% | 59.56% | 54.51% | 52.35% | 51.72% | 49.20% | 49.18% | -533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |