PackageTrendsPeer
Letter portraitLegal landscape

Miami Valley Bank

Lakeview, OH · Cert 16848

FDIC

Q2 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Miami Valley Bank

Lakeview, OH · Cert 16848

FDIC

Q2 2007

$125.4MAssets
$89.1MLoans
$119.6MDeposits
$5.4MEquity
Deposit mix
88%Interest-bearing $105.2M12%Noninterest $14.4MQ2 2006Q2 2007

NIM

7.03%Q2 ’059.02%Q2 ’069.84%Q2 ’07-5%+3%

Non-interest income vs. expense

1.85%Q2 ’051.63%Q2 ’062.17%Q2 ’07-3%+1710%

Executive Summary

  • Earnings: ROA of -14.80%, down 1,863 bps year over year; NIM at 5.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.56%.
  • Funding: loans stand at 74.47% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

-14.80%-1,863 bps YoY

Net Interest Margin (YTD, annualized)

5.29%+13 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets3.83%3.70%3.33%-14.67%-14.80%-1,863 bps
Return on Equity42.26%41.23%38.30%-223%-249%-29,098 bps
Net Interest Margin5.15%4.76%4.63%5.59%5.29%+13 bps
Efficiency Ratio28.35%29.58%31.91%27.56%n/an/a
Non-Interest Burden1.04%1.05%1.17%1.34%18.88%+1,784 bps
Growth
Asset Growth (YoY)17.23%18.56%11.18%1.48%-21.90%-3,913 bps
Loan Growth (YoY)16.75%-11.47%4.29%-3.28%-37.93%-5,468 bps
Deposit Growth (YoY)19.27%29.75%16.36%7.63%-17.84%-3,711 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.06%0.07%0.56%0.56%+50 bps
Allowance / Loans0.51%0.60%0.61%5.99%2.49%+198 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.11%18.68%15.63%7.85%8.95%-816 bps
Equity / Assets9.16%8.71%7.73%5.31%4.34%-482 bps
Liquidity & Funding
Loans / Deposits98.58%75.08%91.16%94.33%74.47%-2,411 bps
Liquid Assets / Assets1.54%1.41%1.32%1.97%2.40%+86 bps
CRE / Total Capitaln/an/an/an/an/an/an/a