Piqua, OH · Charter 6712
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.09% | -1.30% | -1.37% | -1.55% | -1.73% | -0.92% | -10.77% | -940 bps | |
| Return on Equity | 0.25% | -0.51% | -7.41% | -7.70% | -9.90% | -10.67% | -5.86% | -92.24% | -8,455 bps | |
| Net Interest Margin | 4.63% | 4.67% | 3.89% | 4.10% | 3.97% | 4.28% | 4.30% | 0.60% | -351 bps | |
| Efficiency Ratio | 99.16% | 101.80% | 130.07% | 122.57% | 124.73% | 123.33% | 117.47% | 998% | +87,507 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.39% | -1.24% | 3.86% | -4.01% | -5.76% | -7.65% | -7.04% | -5.72% | -170 bps | |
| Loan Growth (YoY) | -21.93% | -20.93% | -20.05% | -18.67% | -21.31% | -4.39% | 7.35% | 13.79% | +3,246 bps | |
| Share Growth (YoY) | -0.34% | -1.77% | 4.96% | -4.23% | -3.78% | -5.81% | -4.92% | -0.53% | +370 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 1.69% | 1.75% | 0.60% | 0.78% | 0.58% | 0.30% | 0.29% | -31 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 | 1.77% | 1.41% | 1.66% | 1.12% | 1.14% | 1.38% | 1.27% | 1.31% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.37% | 18.04% | 17.49% | 17.74% | 15.63% | 16.19% | 15.65% | 11.67% | -607 bps | |
| Net Worth / Assets | 17.37% | 18.04% | 17.49% | 17.74% | 15.63% | 16.19% | 15.65% | 11.67% | -607 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.07% | 75.56% | 67.55% | 68.82% | 60.58% | 76.70% | 76.27% | 78.73% | +991 bps | |
| Liquid Assets / Assets | 32.11% | 32.22% | 35.70% | 34.35% | 41.15% | 29.15% | 26.22% | 26.45% | -790 bps | |