Kenton, OH · Charter 65465
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.38% | 5.73% | 4.98% | 5.38% | 0.69% | 0.67% | 0.30% | 0.36% | -502 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 5.84% | 6.84% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.03% | 4.72% | 5.20% | 5.43% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 80.50% | 73.63% | 69.31% | 62.61% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 69.74% | 70.69% | 60.91% | 33.10% | 22.91% | 19.18% | 7.35% | 2.32% | -3,078 bps | |
| Loan Growth (YoY) | 48.76% | 30.97% | 26.95% | 26.70% | 30.72% | 51.41% | 41.58% | 34.60% | +789 bps | |
| Share Growth (YoY) | 80.81% | 72.44% | 63.05% | 33.14% | 22.95% | 16.25% | 0.22% | -4.93% | -3,807 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.38% | 5.89% | 3.11% | 2.14% | 3.20% | 3.47% | 5.86% | 6.08% | +394 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 | 1.07% | 1.02% | 1.90% | 1.60% | 1.73% | 1.67% | 2.44% | 2.59% | +99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 5.09% | 5.20% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 5.09% | 5.20% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.47% | 70.33% | 72.60% | 74.11% | 82.37% | 91.59% | 102.57% | 104.93% | +3,081 bps | |
| Liquid Assets / Assets | 21.32% | 25.95% | 24.76% | 23.57% | 10.57% | 11.41% | 6.71% | 6.29% | -1,728 bps | |