Leipsic, OH · Cert 11088
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.77% | 0.65% | 0.33% | 0.39% | 0.49% | 0.73% | 0.19%1 | -15 bps | |
| Return on Equity | n/a | 8.67% | 7.40% | 3.89% | 4.59% | 5.59% | 7.79% | 1.96% | -194 bps | |
| Net Interest Margin | 3.04% | 2.87% | 2.58% | 2.38% | 2.76% | 2.84% | 3.15% | 3.42% | +104 bps | |
| Efficiency Ratio | 75.46% | 71.35% | 76.10% | 93.86% | 89.05% | 83.70% | 90.52% | 91.01% | -285 bps | |
| Non-Interest Burden | 2.23% | 1.98% | 1.91% | 2.22% | 2.55% | 2.43% | 2.94% | 3.20% | +98 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.42% | -1.72% | 3.20% | 1.27% | 1.41% | 0.34% | -1.59% | -2.22% | -349 bps | |
| Loan Growth (YoY) | -11.15% | -15.95% | -15.13% | -18.92% | -18.57% | -12.14% | 6.95% | 33.62% | +5,254 bps | |
| Deposit Growth (YoY) | 0.26% | 1.04% | 6.19% | 2.92% | 3.33% | 1.93% | -0.04% | -2.99% | -591 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 | 0.13% | -0.03% | 0.06% | 0.77% | 0.72% | -0.03% | 0.13% | 0.02% | -75 bps | |
| Allowance / Loans | 1.65% | 1.79% | 1.82% | 1.78% | 1.66% | 1.65% | 1.36% | 1.43% | -35 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 | 16.01% | 15.65% | 15.39% | 15.94% | 16.17% | 16.75% | 15.79% | 13.89% | -205 bps | |
| Equity / Assets | 8.95% | 8.82% | 8.81% | 8.38% | 8.45% | 9.05% | 9.63% | 9.61% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.04% | 57.45% | 54.11% | 49.55% | 48.89% | 49.52% | 57.90% | 68.25% | +1,870 bps | |
| Liquid Assets / Assets | 0.06% | 0.16% | 0.08% | 0.19% | 0.07% | 0.07% | 0.01% | 0.03% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |