Troy, OH · Charter 6539
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.01% | 1.68% | 1.42% | 1.65% | 1.66% | 1.59% | 1.43% | 1.00% | -65 bps | |
| Return on Equity | n/a | 8.59% | 7.59% | 8.61% | 9.87% | 9.91% | 8.86% | 6.70% | -192 bps | |
| Net Interest Margin | 4.70% | 4.73% | 4.68% | 4.28% | 3.28% | 3.16% | 2.98% | 3.24% | -104 bps | |
| Efficiency Ratio | 56.16% | 54.12% | 49.70% | 53.17% | 57.93% | 57.71% | 60.93% | 58.26% | +510 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.07% | 2.01% | 7.56% | 16.68% | 36.34% | 44.36% | 34.20% | 43.50% | +2,682 bps | |
| Loan Growth (YoY) | 30.69% | 57.28% | 69.07% | 43.43% | 14.17% | 3.47% | 3.44% | 2.38% | -4,104 bps | |
| Share Growth (YoY) | -6.03% | -0.01% | 6.35% | 16.74% | 40.17% | 50.86% | 38.78% | 51.34% | +3,461 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.59% | 0.84% | 0.76% | 1.43% | 1.05% | 1.69% | 0.61% | -15 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 | 0.75% | 1.36% | 1.93% | 1.96% | 1.76% | 1.73% | 1.36% | 1.42% | -53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 19.62% | 18.77% | 19.15% | 16.84% | 16.06% | 16.15% | 14.89% | -426 bps | |
| Net Worth / Assets | n/a | 19.62% | 18.77% | 19.15% | 16.84% | 16.06% | 16.15% | 14.89% | -426 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.81% | 101.26% | 92.16% | 87.06% | 75.59% | 69.46% | 68.69% | 58.90% | -2,816 bps | |
| Liquid Assets / Assets | 19.73% | 17.44% | 19.90% | 26.53% | 35.99% | 40.18% | 41.05% | 48.19% | +2,166 bps | |