Lancaster, OH · Cert 16317
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Lancaster, OH · Cert 16317
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.22% | -0.08% | -0.74% | -0.90% | -0.70% | 0.01% | 0.02% | +76 bps | |
| Return on Equity | 5.02% | 3.52% | -1.32% | -12.32% | -15.09% | -11.72% | 0.23% | 0.30% | +1,262 bps | |
| Net Interest Margin | 2.89% | 2.95% | 2.69% | 2.73% | 2.76% | 2.77% | 2.50% | 2.51% | -23 bps | |
| Efficiency Ratio | 84.59% | 88.31% | 97.64% | 102.16% | 99.65% | 94.28% | 97.54% | 95.84% | -632 bps | |
| Non-Interest Burden | 2.35% | 2.53% | 2.61% | 2.81% | 2.75% | 2.57% | 2.42% | 2.38% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.17% | -3.45% | -3.31% | -5.61% | -3.69% | -8.03% | -6.05% | -4.07% | +154 bps | |
| Loan Growth (YoY) | 8.40% | 9.80% | 11.89% | 8.24% | 4.31% | -6.27% | -11.40% | -15.17% | -2,341 bps | |
| Deposit Growth (YoY) | 2.93% | -9.95% | -10.88% | -8.67% | 4.83% | 3.28% | 5.77% | 3.96% | +1,263 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 | 0.19% | 0.26% | 0.18% | 1.01% | 0.65% | 1.73% | 0.16% | 1.21% | +20 bps | |
| Allowance / Loans | 1.05% | 1.01% | 1.04% | 0.91% | 1.75% | 1.05% | 1.16% | 0.74% | -18 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 | 11.76% | 11.49% | 11.44% | 10.83% | 10.75% | 11.03% | 11.40% | 11.27% | +44 bps | |
| Equity / Assets | 6.42% | 6.07% | 6.07% | 5.82% | 5.85% | 6.15% | 6.09% | 5.80% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.54% | 90.69% | 93.86% | 89.42% | 82.13% | 82.30% | 78.63% | 72.97% | -1,645 bps | |
| Liquid Assets / Assets | 0.06% | 0.13% | 0.09% | 0.09% | 0.07% | 0.14% | 0.08% | 0.06% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |