Urbana, OH · Charter 65580
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 0.70% | 1.22% | 0.90% | 1.02% | -0.85% | 0.09% | 2.58% | +168 bps | |
| Return on Equity | 11.51% | 5.83% | 9.50% | 7.06% | 7.14% | -6.72% | 0.68% | 19.14% | +1,209 bps | |
| Net Interest Margin | 5.07% | 4.38% | 4.84% | 4.68% | 5.14% | 4.34% | 4.37% | 4.57% | -11 bps | |
| Efficiency Ratio | 79.61% | 90.80% | 84.59% | 89.36% | 88.22% | 105.36% | 96.69% | 71.28% | -1,808 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 2.78% | 1.41% | -0.36% | 0.01% | -0.95% | 1.15% | -2.97% | -261 bps | |
| Loan Growth (YoY) | -12.85% | -11.61% | -11.59% | -2.01% | -4.15% | -7.19% | 0.92% | 8.78% | +1,079 bps | |
| Share Growth (YoY) | 4.48% | 1.43% | -0.21% | -1.95% | -1.20% | -1.83% | 0.78% | -3.78% | -183 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.43% | 1.05% | 2.44% | 0.19% | 1.21% | 0.00% | 1.01% | 1.21% | +102 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 | 2.50% | 1.79% | 2.03% | 0.99% | 1.29% | 1.57% | 1.68% | 1.41% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.35% | 12.07% | 12.84% | 12.69% | 14.31% | 12.66% | 13.04% | 13.46% | +77 bps | |
| Net Worth / Assets | 13.35% | 12.07% | 12.84% | 12.69% | 14.31% | 12.66% | 13.04% | 13.46% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.26% | 56.20% | 56.32% | 57.23% | 63.31% | 53.13% | 56.40% | 64.70% | +747 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |