Kent, OH · Charter 68179
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.42% | -1.37% | -1.26% | -0.58% | -4.75% | -0.03% | -0.18% | +109 bps | |
| Return on Equity | -2.69% | -7.11% | -24.85% | -21.75% | -9.67% | -155.04% | -1.11% | -4.97% | +1,678 bps | |
| Net Interest Margin | 4.93% | 5.07% | 4.53% | 5.15% | 5.18% | 6.12% | 4.98% | 5.59% | +44 bps | |
| Efficiency Ratio | 89.29% | 92.25% | 103.95% | 103.28% | 96.80% | 101.88% | 91.37% | 94.81% | -847 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.00% | -13.23% | -15.52% | -17.53% | -13.94% | -24.78% | -27.25% | -30.60% | -1,308 bps | |
| Loan Growth (YoY) | -25.91% | -28.05% | -26.37% | -17.79% | -10.42% | -5.89% | -13.99% | -22.35% | -456 bps | |
| Share Growth (YoY) | -9.48% | -13.78% | -15.71% | -17.81% | -14.12% | -22.50% | -25.49% | -29.01% | -1,120 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.85% | 17.52% | 14.71% | 4.76% | 10.06% | 3.26% | 1.51% | 1.86% | -291 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 | 3.87% | 4.26% | 4.72% | 5.46% | 4.89% | 6.68% | 4.67% | 4.27% | -119 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.83% | 5.88% | 5.51% | 5.80% | 6.01% | 3.07% | 3.15% | 3.55% | -226 bps | |
| Net Worth / Assets | 5.83% | 5.88% | 5.51% | 5.80% | 6.01% | 3.07% | 3.15% | 3.55% | -226 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.05% | 42.74% | 40.61% | 45.77% | 45.94% | 51.90% | 46.88% | 50.07% | +429 bps | |
| Liquid Assets / Assets | 53.47% | 54.87% | 55.94% | 43.36% | 43.47% | 45.53% | 48.37% | 0.00% | -4,336 bps | |