Dillonvale, OH · Cert 13918
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.03% | 0.05% | -0.53% | -0.73% | 0.04% | -0.17% | -4.76% | -423 bps | |
| Return on Equity | -15.34% | -0.33% | 0.46% | -4.73% | -6.67% | 0.40% | -1.62% | -44.80% | -4,007 bps | |
| Net Interest Margin | 4.08% | 3.97% | 3.93% | 4.00% | 3.62% | 3.39% | 3.54% | 3.39% | -60 bps | |
| Efficiency Ratio | 89.86% | 77.19% | 86.06% | 96.56% | 104.28% | 99.02% | 104.02% | 174.62% | +7,806 bps | |
| Non-Interest Burden | 3.58% | 2.63% | 3.15% | 3.84% | 3.81% | 3.35% | 3.72% | 6.35% | +251 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% | 0.62% | 1.23% | 1.44% | 1.03% | 0.05% | 0.40% | 0.19% | -125 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 |