Hamilton, OH · Charter 63610
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 | 0.81% | 0.79% | 0.98% | 0.94% | 0.85% | 1.42% | 0.56% | -1.24% | -218 bps | |
| Return on Equity | 6.48% | 6.27% | 7.57% | 6.99% | 6.24% | 10.13% | 3.92% | -8.59% | -1,559 bps | |
| Net Interest Margin | 3.57% | 2.97% | 3.27% | 3.37% | 3.31% | 4.02% | 3.30% | 3.23% | -13 bps | |
| Efficiency Ratio | 68.81% | 76.97% | 74.43% | 76.35% | 78.17% | 68.61% | 85.52% | 88.30% | +1,195 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.32% | -2.47% | -1.58% | 0.35% | -2.71% | -3.79% | -4.96% | -11.70% | -1,205 bps | |
| Loan Growth (YoY) | -3.88% | 2.89% | 0.16% | 0.83% | 0.01% | -5.73% | -7.06% | -10.34% | -1,117 bps | |
| Share Growth (YoY) | -1.26% | -3.70% | -2.84% | -0.61% | -4.07% | -5.16% | -6.38% | -12.82% | -1,222 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 2.25% | 2.20% | 2.47% | 0.16% | 1.17% | 1.87% | 7.51% | +503 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 | 0.55% | 0.54% | 0.49% | 0.42% | 0.42% | 0.46% | 0.36% | 2.25% | +183 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.49% | 12.55% | 12.95% | 13.45% | 13.69% | 14.05% | 14.27% | 14.46% | +101 bps | |
| Net Worth / Assets | 12.49% | 12.55% | 12.95% | 13.45% | 13.69% | 14.05% | 14.27% | 14.46% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.91% | 75.54% | 75.53% | 77.32% | 77.05% | 75.08% | 74.98% | 79.52% | +220 bps | |
| Liquid Assets / Assets | 33.20% | 31.70% | 31.73% | 30.83% | 31.12% | 32.85% | 0.00% | 0.00% | -3,083 bps | |