Luckey, OH · Cert 2066
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.46% | -0.39% | -0.18% | -5.43% | -0.75% | 0.07% | 0.28% | -0.17% | +526 bps | |
| Return on Equity | -5.12% | -4.18% | -1.92% | -60.04% | -6.64% | 0.50% | 2.08% | -1.18% | +5,885 bps | |
| Net Interest Margin | 3.88% | 3.91% | 4.19% | 4.16% | 4.29% | 4.08% | 4.39% | 3.99% | -16 bps | |
| Efficiency Ratio | 100.51% | 96.86% | 88.31% | 195.09% | 122.88% | 85.83% | 84.29% | 100.77% | -9,432 bps | |
| Non-Interest Burden | 3.91% | 3.77% | 3.63% | 7.88% | 5.47% | 3.98% | 3.80% | 4.38% | -350 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.78% | -12.97% | -13.10% | -12.09% | -0.30% | 5.28% | 6.16% | 8.53% | +2,062 bps | |
| Loan Growth (YoY) | -8.54% | -6.25% | -7.54% | -6.66% | -1.79% | 3.02% | 10.06% | 10.50% | +1,716 bps | |
| Deposit Growth (YoY) | -14.28% | -15.36% | -17.08% | -16.35% | -11.18% | -2.85% | -0.55% | 1.62% | +1,797 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 | 0.48% | 0.77% | 0.59% | 1.63% | 0.07% | -0.15% | 0.14% | 0.45% | -118 bps | |
| Allowance / Loans | 1.88% | 1.87% | 2.06% | 2.33% | 1.52% | 1.48% | 1.45% | 1.29% | -104 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 | 15.69% | 15.67% | 16.09% | 13.95% | 13.43% | 12.93% | 13.12% | 13.16% | -80 bps | |
| Equity / Assets | 9.10% | 9.35% | 9.60% | 8.46% | 13.87% | 13.39% | 13.96% | 14.04% | +558 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.52% | 80.13% | 81.93% | 84.70% | 84.60% | 84.98% | 90.66% | 92.10% | +740 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 0.01% | 0.04% | 0.01% | 0.04% | 0.04% | 0.05% | 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 |