Celina, OH · Cert 10660
FDIC
Q2 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.92% | 1.00% | 0.84% | 1.14% | 1.26% | 0.88% | 1.02% | +19 bps | |
| Return on Equity | 7.03% | 8.67% | 8.78% | 7.34% | 10.14% | 11.18% | 7.79% | 9.09% | +175 bps | |
| Net Interest Margin | 3.74% | 3.76% | 3.59% | 3.71% | 3.84% | 3.89% | 3.95% | 3.97% | +26 bps | |
| Efficiency Ratio | 65.55% | 64.89% | 68.50% | 71.99% | 70.32% | 70.38% | 74.13% | 69.91% | -208 bps | |
| Non-Interest Burden | 2.09% | 2.01% | 2.15% | 2.45% | 2.40% | 2.45% | 2.72% | 2.50% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.06% | -0.31% | -5.57% | -7.53% | 27.55% | 25.13% | 39.31% | 41.73% | +4,926 bps | |
| Loan Growth (YoY) | -6.03% | -8.62% | -9.12% | -7.48% | 33.55% | 37.86% | 49.91% | 46.33% | +5,381 bps | |
| Deposit Growth (YoY) | -10.78% | -7.95% | -8.44% | -10.28% | 23.56% | 24.49% | 44.97% | 48.73% | +5,901 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.64% | 0.77% | 0.29% | 0.20% | 0.21% | 0.21% | 0.16% | 0.14% | -6 bps | |
| Allowance / Loans | 2.61% | 2.48% | 2.42% | 2.37% | 2.13% | 1.80% | 1.76% | 1.74% | -63 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 15.12% | 16.06% | 15.91% | 15.57% | 14.92% | 15.16% | 15.52% | 15.44% | -14 bps | |
| Equity / Assets | 10.93% | 11.16% | 11.56% | 11.42% | 11.04% | 11.35% | 11.18% | 11.25% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.68% | 90.90% | 94.51% | 98.90% | 102.33% | 100.66% | 97.73% | 97.31% | -159 bps | |
| Liquid Assets / Assets | 0.46% | 0.44% | 0.46% | 0.05% | 0.18% | 0.16% | 0.15% | 0.14% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |