Cambridge, OH · Cert 27642
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Cambridge, OH · Cert 27642
FDIC
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.97% | 0.93% | 0.87% | 0.78% | 0.65% | 0.46% | 0.54% | -32 bps | |
| Return on Equity | 11.90% | 11.97% | 12.17% | 11.39% | 10.24% | 8.50% | 5.99% | 7.21% | -418 bps | |
| Net Interest Margin | 2.72% | 2.60% | 2.40% | 2.33% | 2.30% | 2.38% | 2.36% | 2.33% | 0 bps | |
| Efficiency Ratio | 54.80% | 55.60% | 59.17% | 63.08% | 66.23% | 70.44% | 73.93% | 69.42% | +635 bps | |
| Non-Interest Burden | 1.13% | 1.08% | 0.92% | 1.03% | 1.19% | 1.35% | 1.62% | 1.46% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.15% | -2.53% | 2.29% | -0.55% | -5.00% | -3.80% | -1.91% | -0.58% | -3 bps | |
| Loan Growth (YoY) | -5.84% | -8.51% | -6.78% | -4.79% | 0.36% | 0.98% | 7.10% | 10.04% | +1,483 bps | |
| Deposit Growth (YoY) | 8.24% | -4.85% | -0.48% | -2.50% | -5.51% | -3.25% | -3.74% | -1.26% | +123 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 | 0.01% | -0.01% | 0.11% | 0.10% | 0.18% | 0.16% | 0.21% | 0.15% | +4 bps | |
| Allowance / Loans | 0.62% | 0.69% | 0.74% | 0.76% | 0.67% | 0.70% | 0.67% | 0.66% | -10 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 | 13.81% | 12.73% | 12.83% | 12.91% | 12.35% | 12.52% | 12.18% | 11.98% | -93 bps | |
| Equity / Assets | 8.19% | 7.65% | 7.62% | 7.57% | 7.55% | 7.68% | 7.59% | 7.39% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.73% | 114.07% | 109.62% | 110.35% | 119.72% | 119.07% | 121.97% | 122.97% | +1,263 bps | |
| Liquid Assets / Assets | 3.60% | 4.17% | 5.48% | 3.30% | 1.83% | 2.76% | 1.36% | 1.02% | -228 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |