Creston, OH · Cert 17338
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | -0.38% | 1.86% | -0.01% | 0.46% | -0.55% | 0.64% | -0.14% | -13 bps | |
| Return on Equity | 7.40% | -3.18% | 16.25% | -0.13% | 4.12% | -4.90% | 5.46% | -1.21% | -108 bps | |
| Net Interest Margin | 4.30% | 3.79% | 3.73% | 3.60% | 4.10% | 3.50% | 4.06% | 3.49% | -11 bps | |
| Efficiency Ratio | 68.06% | 100.67% | 46.13% | 96.42% | 78.68% | 103.96% | 113.42% | 103.76% | +734 bps | |
| Non-Interest Burden | 2.81% | 3.82% | 1.45% | 3.46% | 3.14% | 3.66% | 4.66% | 3.63% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.62% | 3.59% | 3.40% | 3.75% | -0.81% | -3.52% | -4.22% | -3.17% | -692 bps | |
| Loan Growth (YoY) | -8.97% | -6.48% | -7.98% | -9.26% | -5.71% | -6.22% | -8.86% | -7.69% | +157 bps | |
| Deposit Growth (YoY) | 7.81% | 4.48% | 3.56% | 4.80% | -0.20% | -2.98% | -5.12% | -4.10% | -889 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 | -0.06% | 0.88% | 2.54% | 0.67% | 0.79% | 0.61% | 1.24% | 1.04% | +37 bps | |
| Allowance / Loans | 2.75% | 2.66% | 2.46% | 2.45% | 2.39% | 2.39% | 2.22% | 2.01% | -44 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 | 21.31% | 21.36% | 20.60% | 20.99% | 21.27% | 21.38% | 23.65% | 23.99% | +300 bps | |
| Equity / Assets | 11.76% | 11.86% | 11.06% | 10.91% | 11.24% | 11.39% | 11.92% | 11.79% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.08% | 57.89% | 55.07% | 52.72% | 53.93% | 55.95% | 52.90% | 50.75% | -197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |