Wooster, OH · Charter 63026
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.26% | 0.34% | 0.36% | 0.39% | 0.27% | 0.40% | 0.60% | +25 bps | |
| Return on Equity | 0.85% | 0.85% | 1.06% | 1.03% | 1.02% | 0.66% | 1.00% | 1.35% | +31 bps | |
| Net Interest Margin | 3.10% | 2.94% | 3.17% | 3.43% | 3.77% | 3.76% | 3.83% | 4.35% | +93 bps | |
| Efficiency Ratio | 88.79% | 91.20% | 89.32% | 89.58% | 89.77% | 92.88% | 87.08% | 84.57% | -500 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.42% | -9.28% | -14.03% | -16.18% | -19.78% | -24.23% | -19.03% | -21.86% | -568 bps | |
| Loan Growth (YoY) | -2.99% | -10.69% | -23.78% | -19.69% | -20.91% | -10.93% | -3.11% | -11.42% | +827 bps | |
| Share Growth (YoY) | -14.55% | -13.08% | -19.59% | -23.03% | -28.92% | -35.27% | -28.42% | -33.97% | -1,094 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.91% | 8.28% | 8.88% | 9.03% | 9.49% | 7.99% | 17.93% | 16.53% | +750 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 | 1.15% | 1.19% | 1.39% | 1.38% | 1.45% | 1.09% | 1.16% | 1.26% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.13% | 30.52% | 32.05% | 34.54% | 37.94% | 40.68% | 39.97% | 44.76% | +1,022 bps | |
| Net Worth / Assets | 30.13% | 30.52% | 32.05% | 34.54% | 37.94% | 40.68% | 39.97% | 44.76% | +1,022 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.94% | 31.45% | 28.71% | 32.37% | 35.54% | 43.28% | 38.87% | 43.43% | +1,105 bps | |
| Liquid Assets / Assets | 46.34% | 46.57% | 59.99% | 70.35% | 76.23% | 72.66% | 0.00% | 0.00% | -7,035 bps | |