Canton, OH · Cert 14953
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Canton, OH · Cert 14953
FDIC
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.52% | 0.46% | 0.48% | 0.64% | 0.68% | 0.74% | 0.69% | +20 bps | |
| Return on Equity | 5.37% | 4.98% | 4.36% | 4.53% | 5.75% | 6.00% | 6.44% | 6.14% | +160 bps | |
| Net Interest Margin | 2.61% | 2.70% | 2.67% | 2.69% | 2.64% | 2.69% | 2.73% | 2.79% | +10 bps | |
| Efficiency Ratio | 68.64% | 67.21% | 66.35% | 62.96% | 64.80% | 63.48% | 62.46% | 62.99% | +3 bps | |
| Non-Interest Burden | 1.69% | 1.70% | 1.64% | 1.54% | 1.53% | 1.51% | 1.45% | 1.52% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | -3.87% | -5.77% | -5.67% | -8.96% | -6.87% | -4.98% | -6.78% | -111 bps | |
| Loan Growth (YoY) | 0.34% | 0.37% | -2.07% | -4.81% | -7.54% | -8.84% | -7.88% | -8.34% | -353 bps | |
| Deposit Growth (YoY) | -3.35% | -9.60% | -9.19% | -6.18% | -5.84% | -1.52% | -1.29% | -2.05% | +413 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 | 0.20% | 0.37% | 0.41% | 0.39% | 0.39% | 0.43% | 0.48% | 0.51% | +12 bps | |
| Allowance / Loans | 1.23% | 1.26% | 1.37% | 1.39% | 1.41% | 1.40% | 1.38% | 1.40% | 0 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 | 12.31% | 13.10% | 13.54% | 13.69% | 14.21% | 14.53% | 14.87% | 12.52% | -117 bps | |
| Equity / Assets | 10.38% | 10.53% | 10.96% | 11.09% | 11.34% | 11.59% | 11.74% | 10.05% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.19% | 103.78% | 103.05% | 100.18% | 98.38% | 96.06% | 96.17% | 93.75% | -643 bps | |
| Liquid Assets / Assets | 0.20% | 0.21% | 0.24% | 0.30% | 0.37% | 0.23% | 0.31% | 0.24% | -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 |