Elyria, OH · Charter 63170
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.49% | -0.12% | 0.10% | -9.82% | -5.70% | -5.29% | -0.23% | -33 bps | |
| Return on Equity | n/a | 4.26% | -1.20% | 0.82% | -164.67% | -94.80% | -64.94% | -3.23% | -406 bps | |
| Net Interest Margin | 5.70% | 6.62% | 5.45% | 6.17% | 4.55% | 4.30% | 5.78% | 5.12% | -105 bps | |
| Efficiency Ratio | 88.99% | 92.68% | 102.16% | 98.14% | 120.85% | 108.91% | 101.43% | 104.53% | +640 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.61% | 2.39% | -2.80% | -2.98% | -6.86% | 19.12% | -20.82% | 3.48% | +646 bps | |
| Loan Growth (YoY) | -8.72% | -7.58% | -2.53% | -3.84% | -29.21% | -14.18% | -22.42% | -21.95% | -1,811 bps | |
| Share Growth (YoY) | 5.77% | 4.41% | -3.31% | -3.04% | -1.87% | 26.74% | -19.18% | 9.03% | +1,207 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 5.76% | 5.22% | 7.69% | 0.00% | 0.00% | 3.28% | 0.00% | -769 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 | 0.40% | 1.99% | 1.99% | 1.10% | 2.09% | 0.84% | 0.92% | 0.94% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 11.54% | 9.97% | 11.82% | 5.96% | 6.01% | 8.15% | 7.23% | -459 bps | |
| Net Worth / Assets | n/a | 11.54% | 9.97% | 11.82% | 5.96% | 6.01% | 8.15% | 7.23% | -459 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.68% | 82.33% | 70.81% | 82.71% | 53.87% | 55.76% | 67.97% | 59.20% | -2,350 bps | |
| Liquid Assets / Assets | 25.29% | 25.79% | 35.12% | 24.94% | 47.51% | 45.45% | 28.22% | 42.79% | +1,785 bps | |