Lakeview, OH · Cert 16848
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.91% | 3.46% | 2.29% | -14.67% | -14.62% | -1,853 bps | |
| Return on Equity | 42.08% | 38.78% | 27.90% | -223% | -300% | -34,170 bps | |
| Net Interest Margin | 5.26% | 4.51% | 4.49% | 5.59% | 4.13% | -114 bps | |
| Efficiency Ratio | 29.06% | 32.30% | 39.50% | 27.56% | n/a | n/a | |
| Non-Interest Burden | 1.15% | 1.17% | 1.61% | 1.34% | 36.22% | +3,507 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.16% | 0.56% | 0.24% | +11 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.11% | 18.68% | 15.63% | 7.85% | 8.95% | -816 bps | |
| Equity / Assets | 9.16% | 8.71% | 7.73% | 5.31% | 4.34% | -482 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.58% | 75.08% | 91.16% | 94.33% | 74.47% | -2,411 bps | |
| Liquid Assets / Assets | 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 |