Youngstown, OH · Charter 95819
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.05% | 0.81% | 1.00% | 1.11% | 1.00% | 0.43% | 0.51% | -49 bps | |
| Return on Equity | 6.54% | 6.53% | 5.16% | 6.39% | 6.93% | 6.27% | 2.80% | 3.34% | -305 bps | |
| Net Interest Margin | 3.23% | 3.19% | 3.17% | 3.19% | 3.32% | 3.17% | 3.03% | 2.92% | -27 bps | |
| Efficiency Ratio | 71.72% | 71.44% | 77.44% | 72.49% | 70.58% | 72.52% | 86.79% | 81.30% | +881 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 8.99% | 7.61% | 7.74% | 8.18% | 7.87% | -112 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 4.23% | 5.36% | 4.79% | 2.74% | 0.98% | -325 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 9.82% | 9.83% | 10.12% | 10.47% | 10.24% | +42 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.94% | 0.85% | 2.58% | 1.21% | 8.38% | 1.05% | 1.16% | -141 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 | 0.27% | 0.28% | 0.29% | 0.26% | 0.26% | 0.25% | 0.09% | 0.19% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.10% | 16.15% | 15.61% | 15.57% | 16.06% | 15.99% | 15.31% | 15.16% | -41 bps | |
| Net Worth / Assets | 16.10% | 16.15% | 15.61% | 15.57% | 16.06% | 15.99% | 15.31% | 15.16% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.36% | 55.27% | 52.52% | 52.25% | 54.06% | 52.59% | 48.84% | 47.86% | -439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |