Columbus, OH · Charter 64674
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.19% | 0.04% | 0.12% | 0.10% | 0.11% | 1.24% | 0.76% | +64 bps | |
| Return on Equity | 3.45% | 1.22% | 0.24% | 0.77% | 0.64% | 0.77% | 8.62% | 5.26% | +449 bps | |
| Net Interest Margin | 4.59% | 4.01% | 3.81% | 3.78% | 3.73% | 3.43% | 3.34% | 3.37% | -41 bps | |
| Efficiency Ratio | 89.84% | 95.55% | 94.70% | 95.27% | 97.91% | 103.21% | 79.24% | 87.04% | -822 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.04% | 1.28% | 7.53% | 10.89% | 11.45% | 8.11% | 5.03% | 4.46% | -642 bps | |
| Loan Growth (YoY) | 1.57% | 0.23% | 0.29% | -0.45% | -5.38% | -4.15% | -4.99% | -2.73% | -228 bps | |
| Share Growth (YoY) | -1.96% | 1.04% | 8.72% | 12.82% | 13.74% | 9.90% | 5.67% | 5.05% | -777 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.08% | 1.84% | 1.15% | 1.23% | 0.72% | 0.99% | 1.01% | 0.48% | -75 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 | 0.73% | 0.69% | 0.71% | 0.72% | 0.57% | 0.53% | 0.37% | 0.25% | -47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.75% | 15.61% | 14.94% | 15.09% | 15.12% | 13.98% | 14.38% | 14.40% | -68 bps | |
| Net Worth / Assets | 16.75% | 15.61% | 14.94% | 15.09% | 15.12% | 13.98% | 14.38% | 14.40% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.42% | 57.30% | 54.44% | 53.52% | 53.59% | 49.98% | 48.95% | 49.56% | -396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |