Warren, OH · Charter 63624
Q2 1997
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 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 2.24% | 2.78% | 2.96% | 3.35% | 2.92% | 3.01% | 3.74% | +78 bps | |
| Return on Equity | 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | 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 | -30.25% | -26.23% | -19.06% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -3.66% | 10.08% | 6.07% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -34.42% | -30.14% | -22.99% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 1.84% | 0.66% | 0.85% | 2.74% | 4.01% | 2.69% | 9.63% | +879 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.73% | 3.57% | 3.80% | 3.64% | 3.93% | 3.18% | 2.05% | -175 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 58.45% | 64.67% | 77.02% | 88.45% | 85.86% | 101.89% | 106.08% | +2,906 bps | |
| Liquid Assets / Assets | 45.19% | 40.78% | 29.70% | 20.54% | 20.39% | 11.98% | 3.99% | -2,571 bps | |