Salineville, OH · Cert 14641
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Salineville, OH · Cert 14641
FDIC
Q3 2001
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.43% | 1.52% | 1.46% | 1.54% | 1.37% | 1.41% | 1.45% | -1 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.64% | 3.65% | 3.68% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 46.53% | 45.25% | 44.49% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 1.35% | 1.27% | 1.23% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 110.89% | 115.89% | 167.01% | 24.51% | 23.73% | 23.73% | 4.34% | 3.82% | -2,069 bps | |
| Loan Growth (YoY) | 107.88% | 116.17% | 156.93% | 32.98% | 30.54% | 29.69% | 12.84% | 10.13% | -2,284 bps | |
| Deposit Growth (YoY) | 87.34% | 91.65% | 137.56% | 20.91% | 23.11% | 23.00% | 4.34% | 7.07% | -1,384 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 | n/a | n/a | n/a | n/a | n/a | 0.32% | 0.35% | 0.44% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.47% | 1.41% | 1.39% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | 10.91% | 10.58% | 10.87% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 6.82% | 6.91% | 7.12% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.36% | 92.31% | 92.82% | 96.60% | 95.82% | 97.33% | 100.38% | 99.36% | +276 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.08% | 0.06% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |