Norwood, OH · Cert 27736
FDIC
Q4 2003
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | -0.37% | -0.12% | -0.40% | -1.83% | -3.30% | -2.94% | -2.98% | -258 bps | |
| Return on Equity | 4.34% | -5.88% | -1.95% | -6.29% | -29.53% | -57.45% | -53.13% | -57.07% | -5,078 bps | |
| Net Interest Margin | 3.66% | 3.80% | 3.66% | 3.60% | 2.64% | 2.90% | 3.17% | 3.11% | -49 bps | |
| Efficiency Ratio | 86.73% | 89.26% | 88.33% | 99.92% | 193.69% | 222% | 202% | 203% | +10,336 bps | |
| Non-Interest Burden | 3.18% | 3.38% | 3.22% | 3.65% | 5.62% | 6.98% | 6.91% | 6.83% | +318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.49% | 0.02% | 0.42% | -4.39% | -7.93% | -4.58% | -15.44% | -11.99% | -760 bps | |
| Loan Growth (YoY) | 23.13% | 9.06% | 12.39% | -7.11% | -14.53% | -8.28% | -11.85% | -6.73% | +38 bps | |
| Deposit Growth (YoY) | 4.93% | 0.22% | 0.64% | -4.65% | -7.63% | -3.50% | -14.01% | -9.86% | -521 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 | 0.00% | 0.39% | 0.25% | 0.21% | 0.00% | 0.34% | 0.23% | 0.18% | -3 bps | |
| Allowance / Loans | 0.51% | 0.89% | 0.87% | 0.99% | 1.00% | 0.76% | 0.81% | 0.97% | -2 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 | 13.66% | 12.85% | 13.31% | 13.12% | 12.33% | 9.94% | 9.82% | 8.31% | -481 bps | |
| Equity / Assets | 6.54% | 6.44% | 6.34% | 6.24% | 6.14% | 4.86% | 4.77% | 3.94% | -230 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.38% | 88.28% | 86.76% | 80.59% | 83.63% | 83.91% | 88.94% | 83.39% | +280 bps | |
| Liquid Assets / Assets | 9.16% | 5.97% | 11.89% | 11.57% | 8.29% | 5.67% | 5.06% | 4.90% | -668 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |