Milford, OH · Cert 27808
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Milford, OH · Cert 27808
FDIC
Q2 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.49% | -2.45% | -1.22% | -2.59% | -4.51% | -3.65% | -9.00% | -4.98% | -238 bps | |
| Return on Equity | -31.60% | -31.62% | -18.44% | -42.10% | -80.25% | -70.22% | -395% | -268% | -22,594 bps | |
| Net Interest Margin | 2.04% | 2.15% | 2.55% | 2.02% | 2.20% | 2.26% | 1.99% | 2.09% | +7 bps | |
| Efficiency Ratio | 159.14% | 176.49% | 145.77% | 151.73% | 152.87% | 147.23% | 2996% | 310% | +15,835 bps | |
| Non-Interest Burden | 3.97% | 4.43% | 4.10% | 3.56% | 3.89% | 3.82% | 7.64% | 5.38% | +182 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.05% | -9.72% | -3.44% | 0.67% | -6.61% | -0.53% | -9.99% | -12.51% | -1,318 bps | |
| Loan Growth (YoY) | -16.99% | -13.41% | -4.99% | -5.05% | -2.34% | -5.20% | -2.84% | -1.27% | +378 bps | |
| Deposit Growth (YoY) | -7.60% | -10.48% | -3.91% | 7.32% | -3.53% | 3.61% | -5.88% | -9.74% | -1,706 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 | 3.63% | 2.81% | 1.12% | 0.72% | 0.75% | 0.58% | 0.84% | 0.43% | -29 bps | |
| Allowance / Loans | 2.23% | 2.16% | 1.89% | 2.67% | 2.47% | 2.51% | 3.34% | 3.38% | +71 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 | 13.24% | 11.99% | 11.25% | 9.83% | 7.00% | 6.58% | 2.82% | 2.42% | -741 bps | |
| Equity / Assets | 7.59% | 7.14% | 6.16% | 5.27% | 3.82% | 3.40% | 1.15% | 0.98% | -429 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.58% | 96.21% | 84.60% | 82.42% | 94.74% | 88.02% | 87.33% | 90.16% | +774 bps | |
| Liquid Assets / Assets | 12.38% | 8.28% | 16.47% | 17.69% | 8.13% | 13.39% | 13.34% | 10.53% | -716 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |