Columbus, OH · Charter 63495
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | -0.06% | 0.00% | 0.01% | 0.01% | 0.65% | 0.36% | -0.17% | -18 bps | |
| Return on Equity | 0.35% | -0.62% | 0.00% | 0.10% | 0.07% | 5.45% | 3.08% | -1.36% | -146 bps | |
| Net Interest Margin | 2.25% | 2.19% | 2.15% | 2.19% | 2.48% | 2.08% | 2.12% | 1.98% | -22 bps | |
| Efficiency Ratio | 98.61% | 102.66% | 99.98% | 99.56% | 99.72% | 80.30% | 87.78% | 106.14% | +658 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.02% | -7.01% | -7.43% | -7.54% | -16.42% | -18.82% | -14.23% | -16.98% | -944 bps | |
| Loan Growth (YoY) | 17.13% | 23.08% | -10.34% | -15.52% | -12.31% | -5.79% | -5.51% | -11.38% | +414 bps | |
| Share Growth (YoY) | -0.93% | -7.40% | -8.06% | -8.47% | -18.07% | -21.35% | -16.17% | -19.47% | -1,101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.86% | 3.34% | 3.25% | 3.20% | 3.22% | 2.00% | 1.94% | 2.09% | -111 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.96% | 9.44% | 9.88% | 10.24% | 10.72% | 12.00% | 11.81% | 12.17% | +193 bps | |
| Net Worth / Assets | 8.96% | 9.44% | 9.88% | 10.24% | 10.72% | 12.00% | 11.81% | 12.17% | +193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.45% | 36.44% | 39.25% | 40.66% | 42.22% | 43.64% | 44.25% | 44.75% | +409 bps | |
| Liquid Assets / Assets | 62.45% | 40.76% | 62.83% | 61.99% | 60.49% | 59.70% | 58.78% | 59.05% | -294 bps | |