Dillonvale, OH · Cert 13918
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dillonvale, OH · Cert 13918
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.61% | -0.83% | -0.55% | -0.54% | -0.73% | -0.34% | -0.29% | -1.38% | -83 bps | |
| Return on Equity | -15.34% | -7.85% | -5.09% | -5.00% | -6.67% | -3.14% | -2.63% | -12.80% | -780 bps | |
| Net Interest Margin | 4.08% | 4.06% | 4.12% | 4.18% | 3.62% | 3.47% | 3.58% | 3.60% | -58 bps | |
| Efficiency Ratio | 89.86% | 83.06% | 84.05% | 86.72% | 104.28% | 101.64% | 102.42% | 118.69% | +3,197 bps | |
| Non-Interest Burden | 3.58% | 3.13% | 3.22% | 3.44% | 3.81% | 3.54% | 3.69% | 4.42% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.97% | -4.55% | -11.02% | -8.13% | -3.99% | -2.39% | 1.15% | -5.67% | +246 bps | |
| Loan Growth (YoY) | -17.98% | -17.76% | -11.19% | -5.15% | -2.11% | -6.59% | -12.92% | -13.80% | -865 bps | |
| Deposit Growth (YoY) | -10.31% | -7.21% | -11.90% | -7.46% | -2.47% | -0.65% | 1.66% | -2.80% | +465 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 | 4.89% | 2.80% | 2.29% | 2.05% | 1.03% | 0.58% | 0.55% | 0.46% | -160 bps | |
| Allowance / Loans | 2.08% | 2.47% | 2.46% | 2.41% | 2.37% | 2.26% | 2.34% | 2.98% | +56 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 | 17.21% | 17.36% | 16.99% | 16.68% | 15.98% | 16.34% | 16.60% | 15.39% | -129 bps | |
| Equity / Assets | 10.55% | 10.70% | 11.41% | 11.10% | 10.69% | 10.68% | 10.93% | 10.31% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.67% | 81.60% | 85.43% | 84.98% | 81.97% | 76.72% | 73.17% | 75.37% | -961 bps | |
| Liquid Assets / Assets | 8.04% | 7.83% | 8.15% | 7.84% | 7.67% | 7.48% | 17.72% | 21.40% | +1,356 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |