Elyria, OH · Charter 6402
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | -4.58% | -1.12% | -2.28% | -1.20% | 0.59% | 0.52% | 0.77% | +305 bps | |
| Return on Equity | 4.48% | -22.66% | -5.14% | -10.74% | -5.39% | 2.86% | 2.50% | 3.33% | +1,407 bps | |
| Net Interest Margin | 4.95% | 4.63% | 5.63% | 5.52% | 5.78% | 4.20% | 4.14% | 4.35% | -117 bps | |
| Efficiency Ratio | 80.13% | 78.86% | 69.15% | 69.74% | 68.41% | 86.79% | 88.17% | 83.35% | +1,361 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.38% | -10.48% | -11.91% | -10.19% | -9.72% | -3.13% | 2.18% | -4.54% | +564 bps | |
| Loan Growth (YoY) | -0.99% | -0.62% | -2.78% | -7.29% | -9.32% | -14.26% | -17.42% | -16.13% | -884 bps | |
| Share Growth (YoY) | -11.39% | -12.52% | -14.58% | -11.11% | -10.71% | -3.77% | 3.80% | -6.76% | +435 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.04% | 6.84% | 3.99% | 7.46% | 8.07% | 3.97% | 8.07% | 5.79% | -167 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 | 2.37% | 4.37% | 1.16% | 3.37% | 2.68% | 2.80% | 3.37% | 3.41% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.37% | 20.22% | 21.74% | 21.23% | 22.20% | 20.82% | 20.72% | 23.11% | +188 bps | |
| Net Worth / Assets | 21.37% | 20.22% | 21.74% | 21.23% | 22.20% | 20.82% | 20.72% | 23.11% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.60% | 91.88% | 94.56% | 91.61% | 94.04% | 81.86% | 75.23% | 82.40% | -921 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |