Canton, OH · Cert 14953
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.48% | 0.34% | 0.56% | 0.64% | 0.72% | 0.85% | 0.52% | -3 bps | |
| Return on Equity | 5.37% | 4.56% | 3.14% | 5.05% | 5.75% | 6.26% | 7.31% | 4.81% | -24 bps | |
| Net Interest Margin | 2.61% | 2.77% | 2.42% | 2.63% | 2.64% | 2.72% | 2.74% | 2.79% | +16 bps | |
| Efficiency Ratio | 68.64% | 65.84% | 64.46% | 52.36% | 64.80% | 62.20% | 60.57% | 64.70% | +1,234 bps | |
| Non-Interest Burden | 1.69% | 1.70% | 1.40% | 1.15% | 1.53% | 1.47% | 1.31% | 1.64% | +49 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% | 0.54% | 0.48% | 0.31% | 0.39% | 0.45% | 0.57% | 0.58% | +28 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 |