Columbus, OH · Charter 95002
Q1 2007
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 | Q4 2003 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | -0.97% | -0.82% | -1.03% | -0.70% | -73 bps | |
| Return on Equity | 0.19% | -7.08% | -6.24% | -7.49% | -5.29% | -548 bps | |
| Net Interest Margin | 3.66% | 4.02% | 3.72% | 3.95% | 3.89% | +23 bps | |
| Efficiency Ratio | 99.48% | 101.56% | 105.55% | 112.19% | 115.48% | +1,600 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -23.36% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -8.36% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -25.29% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.90% | 0.24% | 0.35% | 0.86% | +55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.04% | 0.80% | 0.42% | 0.33% | 0.23% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.44% | 13.69% | 13.19% | 13.74% | 13.29% | +184 bps | |
| Net Worth / Assets | 11.44% | 13.69% | 13.19% | 13.74% | 13.29% | +184 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.09% | 98.82% | 94.39% | 91.00% | 78.62% | +1,452 bps | |
| Liquid Assets / Assets | 40.64% | 0.00% | 0.00% | 0.00% | 0.00% | -4,064 bps | |