Springfield, OH · Charter 666
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 | 3.64% | 3.72% | 3.11% | 2.64% | 0.64% | 0.36% | 0.73% | 0.86% | -179 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 4.18% | 4.88% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.30% | 5.12% | 6.43% | 6.44% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 90.06% | 93.14% | 88.92% | 87.04% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.07% | -8.77% | -5.30% | 9.39% | 15.98% | 35.22% | 5.62% | -3.43% | -1,282 bps | |
| Loan Growth (YoY) | 9.38% | 13.69% | 8.76% | 19.74% | 0.78% | -4.44% | 5.11% | 0.94% | -1,880 bps | |
| Share Growth (YoY) | -19.05% | -13.66% | -16.21% | 1.54% | 21.53% | 41.15% | 13.05% | 0.42% | -112 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.92% | 0.58% | 0.00% | 1.63% | 0.00% | 3.75% | 1.55% | +155 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 | 3.52% | 2.88% | 2.42% | 1.73% | 1.97% | 2.15% | 2.02% | 2.02% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 17.39% | 17.56% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 17.39% | 17.56% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 111.60% | 114.56% | 112.77% | 102.99% | 92.55% | 77.57% | 104.85% | 103.52% | +53 bps | |
| Liquid Assets / Assets | 9.23% | 5.77% | 7.22% | 10.70% | 15.39% | 27.83% | 7.71% | 10.10% | -59 bps | |