Lorain, OH · Charter 63484
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.84% | 3.89% | 3.87% | 3.80% | 3.42% | 3.22% | 0.70% | 0.65% | -315 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 | 3.19% | 3.19% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 80.22% | 81.90% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.05% | 2.05% | 1.87% | 3.06% | 2.28% | 3.60% | 2.31% | 1.84% | -122 bps | |
| Loan Growth (YoY) | 5.52% | 5.60% | 4.81% | 2.37% | -1.50% | -0.92% | 9.38% | 15.95% | +1,358 bps | |
| Share Growth (YoY) | 0.80% | 0.76% | 0.69% | 2.34% | 1.56% | 3.42% | 1.68% | 1.39% | -95 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.15% | 0.10% | 0.07% | 0.18% | 0.23% | 0.14% | 0.12% | +4 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 | 0.42% | 0.37% | 0.34% | 0.30% | 0.31% | 0.24% | 0.21% | 0.19% | -12 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 | 25.61% | 26.53% | 26.65% | 25.84% | 24.84% | 25.42% | 28.67% | 29.56% | +371 bps | |
| Liquid Assets / Assets | 58.85% | 48.74% | 43.21% | 38.88% | 26.36% | 18.82% | 11.48% | 13.52% | -2,536 bps | |