Columbus, OH · Charter 64044
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.46% | 0.75% | 0.59% | 0.65% | 0.63% | 0.49% | -0.12% | -70 bps | |
| Return on Equity | 2.90% | 4.19% | 6.62% | 5.23% | 6.25% | 6.05% | 4.73% | -1.12% | -636 bps | |
| Net Interest Margin | 4.22% | 4.45% | 4.56% | 4.51% | 3.95% | 3.84% | 3.95% | 4.04% | -48 bps | |
| Efficiency Ratio | 88.28% | 86.05% | 84.43% | 87.79% | 87.85% | 87.70% | 87.24% | 89.19% | +140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.28% | 16.80% | 7.78% | 3.61% | 10.57% | 15.20% | 14.68% | 11.52% | +791 bps | |
| Loan Growth (YoY) | 24.50% | 25.08% | 16.37% | 4.92% | -0.85% | -1.46% | 7.26% | 12.20% | +728 bps | |
| Share Growth (YoY) | 26.71% | 18.17% | 7.03% | 3.57% | 8.98% | 11.24% | 10.68% | 7.45% | +388 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.49% | 0.42% | 0.45% | 0.28% | 0.56% | 0.63% | 0.43% | -2 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 | 0.53% | 0.65% | 0.54% | 0.55% | 0.43% | 0.40% | 0.49% | 0.55% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.64% | 11.01% | 11.39% | 11.20% | 10.48% | 10.38% | 10.42% | 10.38% | -82 bps | |
| Net Worth / Assets | 10.64% | 11.01% | 11.39% | 11.20% | 10.48% | 10.38% | 10.42% | 10.38% | -82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.66% | 77.80% | 75.37% | 70.00% | 67.02% | 68.92% | 73.04% | 73.09% | +309 bps | |
| Liquid Assets / Assets | 20.10% | 21.05% | 21.23% | 18.57% | 18.48% | 13.23% | 10.73% | 13.36% | -521 bps | |