Toledo, OH · Cert 17075
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Toledo, OH · Cert 17075
FDIC
Q3 2001
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.77% | 1.86% | 1.89% | 1.87% | 1.83% | 1.91% | 1.89% | 1.86% | -1 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.13% | 4.10% | 4.09% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 51.67% | 52.22% | 52.15% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 0.85% | 0.91% | 0.95% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 91.91% | 18.79% | 11.78% | 3.22% | 0.75% | 6.41% | 6.03% | 6.88% | +366 bps | |
| Loan Growth (YoY) | 95.30% | 20.38% | 15.19% | 2.73% | 0.53% | 2.97% | 3.43% | 7.99% | +526 bps | |
| Deposit Growth (YoY) | 80.59% | 15.36% | 13.20% | 3.96% | 3.02% | 9.44% | 4.24% | 6.31% | +236 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 | n/a | n/a | n/a | n/a | n/a | 0.30% | 0.35% | 0.26% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.61% | 1.60% | 1.57% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | 11.41% | 11.73% | 11.59% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 7.00% | 7.54% | 7.79% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.14% | 99.46% | 98.03% | 98.39% | 97.71% | 93.58% | 97.27% | 99.94% | +155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.23% | 0.17% | 0.19% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |