Milford, OH · Cert 27808
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.26% | -2.34% | -1.22% | -3.86% | -8.34% | -0.99% | -9.00% | -0.84% | +302 bps | |
| Return on Equity | -29.66% | -31.70% | -18.44% | -67.53% | -181.53% | -27.52% | -395% | -78.61% | -1,108 bps | |
| Net Interest Margin | 1.87% | 2.14% | 2.55% | 1.69% | 2.11% | 2.23% | 1.99% | 2.16% | +48 bps | |
| Efficiency Ratio | 210% | 293% | 145.77% | 158.38% | 155.40% | 130.03% | 2996% | 127.48% | -3,090 bps | |
| Non-Interest Burden | 4.72% | 5.11% | 4.10% | 3.34% | 3.76% | 3.23% | 7.64% | 3.00% | -34 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 | 0.00% | 0.49% | 1.12% | 0.27% | 0.82% | 0.01% | 0.84% | 0.00% | -27 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 |