Ashtabula, OH · Charter 62601
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.39% | 2.63% | 2.82% | 2.27% | 3.00% | 2.09% | -1.43% | -1.94% | -422 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 | 3.68% | 3.18% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 119.03% | 144.58% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.39% | -9.35% | -15.88% | 3.06% | 4.17% | 10.28% | 8.00% | -21.17% | -2,424 bps | |
| Loan Growth (YoY) | -1.43% | -8.57% | -12.96% | -5.81% | -23.13% | -1.57% | 6.08% | -19.21% | -1,340 bps | |
| Share Growth (YoY) | -14.66% | -10.11% | -17.96% | 2.69% | 5.74% | 11.89% | 10.34% | -22.31% | -2,500 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.31% | 5.49% | 3.27% | 3.08% | 1.43% | 0.86% | 0.96% | 0.52% | -255 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 | 1.00% | 1.04% | 1.16% | 1.05% | 1.28% | 0.12% | 0.00% | 0.13% | -93 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 | 74.87% | 74.75% | 73.20% | 64.39% | 54.43% | 65.76% | 70.38% | 66.96% | +257 bps | |
| Liquid Assets / Assets | 26.59% | 27.60% | 28.98% | 35.01% | 45.90% | 34.58% | 30.58% | 34.22% | -79 bps | |