West Manchester, OH · Cert 15074
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -1.09% | -1.21% | 0.09% | -0.97% | -2.49% | -2.32% | -2.01% | -211 bps | |
| Return on Equity | -2.23% | -10.27% | -12.05% | 0.97% | -9.89% | -25.51% | -25.51% | -23.48% | -2,444 bps | |
| Net Interest Margin | 3.36% | 2.86% | 3.03% | 2.90% | 2.78% | 3.23% | 2.92% | 3.35% | +46 bps | |
| Efficiency Ratio | 97.95% | 104.03% | 113.19% | 97.96% | 110.08% | 132.45% | 149.26% | 143.15% | +4,519 bps | |
| Non-Interest Burden | 3.28% | 2.98% | 3.48% | 2.82% | 3.12% | 4.45% | 4.62% | 5.00% | +218 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.76% | 16.89% | 7.35% | 4.41% | -1.14% | -6.79% | -5.28% | -10.74% | -1,515 bps | |
| Loan Growth (YoY) | 7.02% | 3.24% | -6.38% | -3.40% | -6.01% | -8.79% | -1.64% | -11.01% | -761 bps | |
| Deposit Growth (YoY) | 4.83% | 16.52% | 11.17% | 6.91% | 6.33% | -0.83% | 1.68% | -4.48% | -1,139 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 | 0.35% | 1.33% | 1.26% | 0.22% | 0.88% | 0.61% | 2.25% | 1.30% | +108 bps | |
| Allowance / Loans | 0.83% | 1.19% | 1.22% | 1.21% | 1.44% | 1.82% | 1.58% | 1.59% | +37 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 | 22.72% | 21.36% | 22.80% | 22.51% | 21.47% | 20.33% | 19.42% | 19.76% | -276 bps | |
| Equity / Assets | 11.06% | 10.14% | 9.88% | 9.72% | 9.99% | 9.55% | 8.61% | 8.52% | -120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.87% | 66.62% | 64.14% | 64.15% | 62.65% | 61.28% | 62.05% | 59.77% | -438 bps | |
| Liquid Assets / Assets | 5.87% | 5.45% | 6.05% | 5.04% | 5.31% | 5.28% | 5.24% | 4.91% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |