Elyria, OH · Charter 7932
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.31% | 2.23% | 1.89% | 1.27% | 0.07% | 0.02% | -0.52% | -0.72% | -199 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -4.15% | -5.55% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.85% | 6.08% | 6.14% | 5.73% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 97.71% | 95.76% | 96.60% | 107.94% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.39% | -5.26% | 2.42% | 4.97% | -10.29% | -10.78% | -13.55% | -21.94% | -2,691 bps | |
| Loan Growth (YoY) | 17.52% | -7.53% | -10.50% | -20.90% | -21.13% | -15.86% | -17.12% | -27.67% | -678 bps | |
| Share Growth (YoY) | 0.98% | -6.29% | 2.05% | 5.39% | -11.72% | -12.23% | -14.78% | -23.97% | -2,936 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.32% | 3.57% | 7.83% | 6.63% | 12.06% | 13.07% | 10.97% | 9.52% | +289 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 | 1.16% | 1.43% | 1.41% | 1.27% | 0.85% | 0.50% | 1.13% | 2.28% | +101 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 12.65% | 12.92% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 12.65% | 12.92% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.95% | 68.47% | 67.74% | 61.59% | 70.53% | 65.64% | 65.88% | 58.59% | -300 bps | |
| Liquid Assets / Assets | 25.53% | 34.51% | 34.09% | 41.23% | 30.67% | 38.18% | 40.21% | 47.55% | +632 bps | |