PackageTrendsPeer
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Caldwell C. G. B.

Caldwell, OH · Charter 96673

Q2 2007

$1.5MAssets
$296KLoans
$1.0MShares
$467KNet Worth

Executive Summary

  • Earnings: ROA of 0.12%, up 64 bps year over year; NIM at 1.36%.
  • Asset quality: problem loans at 7.87% of loans (+513 bps YoY).
  • Capital: net worth / assets of 31.33%, up 103 bps from a year ago.
  • Funding: loans stand at 28.98% of shares as of Q2 2007.

Return on Assets (YTD, annualized)

0.12%+64 bps YoY

Net Interest Margin (YTD, annualized)

1.36%-130 bps YoY

Efficiency Ratio (YTD, annualized)

91.25%+1,610 bps YoY

Net Worth / Assets

31.33%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets-0.52%0.11%0.03%0.24%0.12%+64 bps
Return on Equity-1.71%0.35%0.10%0.76%0.38%+209 bps
Net Interest Margin2.66%2.28%2.71%2.72%1.36%-130 bps
Efficiency Ratio75.15%95.28%84.34%91.25%91.25%+1,610 bps
Growth
Asset Growth (YoY)n/an/an/an/a-2.27%n/an/a
Loan Growth (YoY)n/an/an/an/a-4.80%n/an/a
Share Growth (YoY)n/an/an/an/a-3.15%n/an/a
Asset Quality
Delinquent Loans / Loans2.74%9.47%7.25%7.87%7.87%+513 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.79%9.30%11.73%11.90%11.90%+111 bps
Capital
Risk-Based Capital30.30%30.47%30.57%31.33%31.33%+103 bps
Net Worth / Assets30.30%30.47%30.57%31.33%31.33%+103 bps
Liquidity & Funding
Loans / Shares29.48%28.15%28.72%28.98%28.98%-50 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps