Columbus, OH · Charter 7814
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.39% | 0.38% | 0.61% | 0.70% | 0.67% | -2.52% | -0.94% | -155 bps | |
| Return on Equity | 3.97% | 3.93% | 3.69% | 6.33% | 7.06% | 6.79% | -33.27% | -12.19% | -1,852 bps | |
| Net Interest Margin | 3.88% | 3.49% | 3.59% | 3.69% | 3.70% | 3.63% | 3.85% | 3.48% | -21 bps | |
| Efficiency Ratio | 87.83% | 87.72% | 87.91% | 81.09% | 80.87% | 80.11% | 81.73% | 125.79% | +4,471 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.75% | 21.80% | 23.02% | 19.90% | 15.56% | 7.92% | 1.84% | -11.30% | -3,120 bps | |
| Loan Growth (YoY) | -4.70% | -10.24% | -9.94% | -9.28% | -6.02% | -6.61% | -19.95% | -19.07% | -979 bps | |
| Share Growth (YoY) | 15.23% | 24.50% | 25.74% | 21.92% | 16.81% | 8.22% | 4.91% | -9.85% | -3,177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.07% | 7.18% | 10.03% | 9.96% | 5.60% | 9.11% | 3.16% | 5.87% | -409 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 | 0.23% | 0.28% | 0.35% | 0.40% | 0.40% | 0.59% | 0.68% | 0.73% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.91% | 10.00% | 10.27% | 9.58% | 9.96% | 9.84% | 7.57% | 7.74% | -184 bps | |
| Net Worth / Assets | 10.91% | 10.00% | 10.27% | 9.58% | 9.96% | 9.84% | 7.57% | 7.74% | -184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.32% | 66.28% | 66.17% | 58.55% | 60.60% | 57.20% | 50.49% | 52.56% | -598 bps | |
| Liquid Assets / Assets | 30.71% | 38.53% | 38.66% | 45.26% | 43.51% | 46.55% | 51.18% | 49.24% | +399 bps | |