Norwalk, OH · Charter 6378
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.04% | 4.26% | 4.39% | 4.46% | 4.21% | 4.39% | 2.07% | 2.68% | -178 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 | 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 | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 23.13% | 33.24% | 51.52% | 48.77% | 59.09% | 52.19% | +1,894 bps | |
| Loan Growth (YoY) | n/a | n/a | 95.16% | 96.94% | 112.48% | 104.61% | 82.80% | 26.80% | -7,014 bps | |
| Share Growth (YoY) | n/a | n/a | 21.98% | 32.28% | 48.94% | 51.66% | 64.77% | 59.16% | +2,688 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 1.35% | 1.33% | 0.71% | 1.58% | 2.20% | 2.01% | 1.12% | +41 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 | 0.15% | 0.41% | 0.73% | 0.68% | 0.53% | 0.63% | 1.29% | 1.54% | +86 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 | 68.77% | 69.93% | 77.95% | 96.47% | 98.10% | 94.35% | 86.48% | 76.86% | -1,961 bps | |
| Liquid Assets / Assets | 8.33% | 19.53% | 15.70% | 5.59% | 4.92% | 5.93% | 11.42% | 19.00% | +1,341 bps | |