Lakeview, OH · Cert 16848
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.
Lakeview, OH · Cert 16848
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 | 4.66% | 4.61% | 3.76% | 3.83% | 3.70% | 3.33% | -14.67% | -14.80% | -1,863 bps | |
| Return on Equity | 43.54% | 45.04% | 41.76% | 42.26% | 41.23% | 38.30% | -223% | -249% | -29,098 bps | |
| Net Interest Margin | 5.42% | 5.47% | 5.33% | 5.15% | 4.76% | 4.63% | 5.59% | 5.29% | +13 bps | |
| Efficiency Ratio | 28.92% | 29.24% | 27.63% | 28.35% | 29.58% | 31.91% | 27.56% | n/a | n/a | |
| Non-Interest Burden | 1.03% | 1.07% | 0.99% | 1.04% | 1.05% | 1.17% | 1.34% | 18.88% | +1,784 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.92% | 18.95% | 20.88% | 17.23% | 18.56% | 11.18% | 1.48% | -21.90% | -3,913 bps | |
| Loan Growth (YoY) | 44.49% | 35.78% | 38.10% | 16.75% | -11.47% | 4.29% | -3.28% | -37.93% | -5,468 bps | |
| Deposit Growth (YoY) | 2.05% | 20.94% | 21.82% | 19.27% | 29.75% | 16.36% | 7.63% | -17.84% | -3,711 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 | 0.01% | 0.01% | 0.00% | 0.07% | 0.06% | 0.07% | 0.56% | 0.56% | +50 bps | |
| Allowance / Loans | 0.42% | 0.41% | 0.49% | 0.51% | 0.60% | 0.61% | 5.99% | 2.49% | +198 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 | 18.57% | 15.66% | 16.85% | 17.11% | 18.68% | 15.63% | 7.85% | 8.95% | -816 bps | |
| Equity / Assets | 10.52% | 8.59% | 9.43% | 9.16% | 8.71% | 7.73% | 5.31% | 4.34% | -482 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.03% | 101.71% | 104.98% | 98.58% | 75.08% | 91.16% | 94.33% | 74.47% | -2,411 bps | |
| Liquid Assets / Assets | 1.60% | 1.35% | 1.25% | 1.54% | 1.41% | 1.32% | 1.97% | 2.40% | +86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |