Fostoria, OH · Charter 68168
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.54% | -0.35% | -0.71% | -0.51% | -0.01% | -0.15% | -0.12% | -0.32% | +19 bps | |
| Return on Equity | -5.25% | -3.51% | -7.91% | -5.63% | -0.14% | -1.63% | -1.29% | -3.70% | +193 bps | |
| Net Interest Margin | 3.92% | 3.80% | 3.48% | 3.60% | 3.39% | 3.47% | 3.54% | 3.62% | +1 bps | |
| Efficiency Ratio | 78.14% | 80.04% | 106.63% | 95.96% | 96.23% | 94.85% | 94.61% | 97.94% | +198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | 8.24% | 7.55% | 7.72% | 9.14% | 5.20% | 1.96% | -0.02% | -774 bps | |
| Loan Growth (YoY) | 3.37% | 0.22% | -4.36% | -8.71% | -13.17% | -12.41% | -2.70% | -3.53% | +517 bps | |
| Share Growth (YoY) | 3.26% | 10.09% | 8.59% | 9.46% | 11.26% | 6.39% | 3.13% | 1.43% | -802 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 1.53% | 1.03% | 1.44% | 1.12% | 1.03% | 1.17% | 0.80% | -63 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 | 1.27% | 1.28% | 1.27% | 1.35% | 1.36% | 1.43% | 1.36% | 1.45% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.20% | 9.89% | 8.96% | 9.07% | 8.96% | 8.89% | 8.93% | 8.73% | -34 bps | |
| Net Worth / Assets | 10.20% | 9.89% | 8.96% | 9.07% | 8.96% | 8.89% | 8.93% | 8.73% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.92% | 72.72% | 67.83% | 64.49% | 60.03% | 59.87% | 63.99% | 61.33% | -316 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |