Cambridge, OH · Cert 27642
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.94% | 0.93% | 0.81% | 0.59% | 0.25% | 0.46% | 0.63% | -18 bps | |
| Return on Equity | 11.80% | 11.84% | 12.17% | 10.61% | 7.83% | 3.23% | 5.99% | 8.41% | -220 bps | |
| Net Interest Margin | 2.72% | 2.54% | 2.40% | 2.24% | 2.18% | 2.48% | 2.36% | 2.36% | +12 bps | |
| Efficiency Ratio | 57.28% | 57.88% | 59.17% | 67.29% | 74.30% | 81.75% | 73.93% | 65.16% | -214 bps | |
| Non-Interest Burden | 1.15% | 1.04% | 0.92% | 1.13% | 1.46% | 1.79% | 1.62% | 1.35% | +21 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% | -0.07% | 0.11% | 0.10% | 0.35% | 0.10% | 0.21% | 0.09% | -1 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 |