Lima, OH · Charter 62512
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 4.32% | 4.59% | 4.72% | 4.99% | 4.51% | 5.00% | 4.22% | -50 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | n/a | 14.22% | 7.64% | 9.40% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 13.49% | 15.35% | -3.19% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 11.90% | 4.77% | 8.41% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.65% | 0.86% | 1.83% | 1.95% | 1.58% | 1.61% | 1.76% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 0.85% | 0.91% | 0.82% | 0.91% | 1.01% | 1.04% | +12 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 72.22% | 74.98% | 79.22% | 78.11% | 73.24% | 82.55% | 70.73% | -848 bps | |
| Liquid Assets / Assets | 30.47% | 18.36% | 16.62% | 26.25% | 29.68% | 24.34% | 33.56% | +1,694 bps | |