New Washington, OH · Cert 2072
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.71% | 1.33% | 0.83% | 0.89% | -8 bps | |
| Return on Equity | 9.98% | 12.95% | 8.73% | 5.09% | 5.33% | -465 bps | |
| Net Interest Margin | 3.74% | 3.92% | 4.14% | 4.18% | 4.13% | +39 bps | |
| Efficiency Ratio | 58.87% | 59.94% | 60.79% | 69.80% | 67.48% | +861 bps | |
| Non-Interest Burden | 2.02% | 2.16% | 2.05% | 2.90% | 2.76% | +74 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 | 0.32% | 1.20% | -0.71% | -0.40% | 0.18% | -13 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 |