Northfield, OH · Charter 64189
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.15% | 4.11% | 4.09% | 3.78% | 4.18% | 3.42% | 4.47% | 1.92% | -186 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 | -1.70% | 4.80% | 3.16% | -1.26% | -6.67% | -17.93% | -23.90% | -2,706 bps | |
| Loan Growth (YoY) | n/a | -3.55% | -14.16% | -11.21% | -8.22% | 1.09% | -8.80% | -33.60% | -2,239 bps | |
| Share Growth (YoY) | n/a | -0.86% | 2.76% | 1.30% | -3.30% | -8.76% | -19.93% | -25.85% | -2,715 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.13% | 3.46% | 6.60% | 4.20% | 2.42% | 1.88% | 3.53% | 13.28% | +908 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 | 1.43% | 0.94% | 1.71% | 1.57% | 1.25% | 1.13% | 1.44% | 1.82% | +24 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 | 79.13% | 71.00% | 66.10% | 68.01% | 75.10% | 78.67% | 75.29% | 60.90% | -711 bps | |
| Liquid Assets / Assets | 16.30% | 18.18% | 16.74% | 15.12% | 12.98% | 20.95% | 10.05% | 43.21% | +2,809 bps | |