Columbus, OH · Charter 66344
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.09% | 0.05% | 0.09% | 0.07% | 0.07% | 0.00% | -0.02% | -11 bps | |
| Return on Equity | 0.60% | 0.49% | 0.25% | 0.49% | 0.39% | 0.36% | 0.02% | -0.11% | -61 bps | |
| Net Interest Margin | 2.55% | 2.60% | 2.63% | 2.49% | 2.53% | 2.56% | 2.52% | 2.65% | +15 bps | |
| Efficiency Ratio | 95.28% | 96.31% | 97.14% | 96.52% | 96.83% | 96.85% | 98.20% | 96.89% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.36% | -4.02% | -3.17% | -2.09% | -1.14% | -0.87% | -0.96% | -1.72% | +38 bps | |
| Loan Growth (YoY) | 2.92% | -1.98% | 2.63% | 5.25% | 5.27% | 6.74% | 3.83% | 3.85% | -141 bps | |
| Share Growth (YoY) | -3.65% | -4.80% | -3.92% | -2.09% | -1.89% | -0.91% | -1.59% | -1.85% | +24 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.49% | 0.64% | 0.62% | 0.55% | 0.46% | 0.43% | 0.34% | -28 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 | 0.39% | 0.36% | 0.33% | 0.30% | 0.26% | 0.26% | 0.26% | 0.29% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.61% | 18.86% | 18.84% | 18.86% | 18.97% | 19.17% | 19.03% | 19.16% | +30 bps | |
| Net Worth / Assets | 18.61% | 18.86% | 18.84% | 18.86% | 18.97% | 19.17% | 19.03% | 19.16% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.29% | 66.03% | 67.82% | 68.25% | 70.05% | 71.13% | 71.56% | 72.22% | +396 bps | |
| Liquid Assets / Assets | 7.05% | 7.95% | 8.28% | 10.88% | 8.76% | 10.02% | 9.82% | 10.84% | -4 bps | |