Hamilton, OH · Charter 63221
Q4 1996
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 4.10% | 3.89% | 3.54% | 3.91% | 4.42% | 3.83% | -6 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | 1.66% | -15.06% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 7.06% | -17.28% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -0.93% | -19.45% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 1.94% | 1.51% | 1.13% | 1.13% | 1.09% | 5.51% | +400 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.17% | 2.11% | 1.28% | 1.47% | 1.75% | 2.23% | +12 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 64.16% | 66.04% | 70.82% | 78.27% | 69.34% | 67.81% | +177 bps | |
| Liquid Assets / Assets | 10.86% | 38.03% | 36.39% | 27.52% | 29.01% | 35.69% | -235 bps | |