New Washington, OH · Cert 2072
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
New Washington, OH · Cert 2072
FDIC
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.21% | 1.33% | 1.09% | 1.02% | -7 bps | |
| Return on Equity | 10.97% | 10.38% | 8.73% | 6.91% | 6.38% | -459 bps | |
| Net Interest Margin | 3.88% | 2.26% | 4.14% | 4.21% | 4.23% | +35 bps | |
| Efficiency Ratio | 56.63% | 58.08% | 60.79% | 64.86% | 65.65% | +903 bps | |
| Non-Interest Burden | 2.02% | 1.20% | 2.05% | 2.50% | 2.62% | +60 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.82% | 125.74% | 105.22% | 97.75% | 102.93% | +10,011 bps | |
| Loan Growth (YoY) | 10.17% | 74.78% | 59.13% | 51.64% | 55.56% | +4,539 bps | |
| Deposit Growth (YoY) | -13.83% | 141.26% | 123.10% | 130.08% | 129.50% | +14,332 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.37% | -0.71% | -0.58% | -0.32% | -47 bps | |
| Allowance / Loans | 1.40% | 3.25% | 3.63% | 4.01% | 3.93% | +253 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 | 14.06% | 17.01% | 17.85% | 19.00% | 18.85% | +479 bps | |
| Equity / Assets | 9.82% | 14.69% | 15.86% | 16.66% | 16.71% | +690 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 129.41% | 80.45% | 84.48% | 81.04% | 87.72% | -4,169 bps | |
| Liquid Assets / Assets | 0.00% | 0.04% | 0.04% | 0.05% | 0.03% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |