Jackson, OH · Cert 27933
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Jackson, OH · Cert 27933
FDIC
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.11% | 0.88% | 0.88% | 1.11% | 0.30% | 0.08% | 0.53% | -35 bps | |
| Return on Equity | 12.86% | 12.56% | 10.05% | 10.66% | 13.19% | 3.57% | 0.77% | 3.15% | -751 bps | |
| Net Interest Margin | 3.19% | 3.19% | 3.16% | 3.02% | 3.00% | 3.03% | 0.29% | 3.18% | +16 bps | |
| Efficiency Ratio | 56.82% | 57.98% | 59.65% | 63.68% | 60.60% | 60.36% | 62.22% | 59.74% | -394 bps | |
| Non-Interest Burden | 1.53% | 1.57% | 1.63% | 1.76% | 1.53% | 1.55% | 0.16% | 1.79% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.43% | 2.16% | 2.86% | 3.70% | 1.91% | 1.51% | 9.35% | 3.54% | -16 bps | |
| Loan Growth (YoY) | 2.55% | 2.11% | 0.55% | 1.23% | 0.36% | -0.55% | -5.70% | -6.74% | -798 bps | |
| Deposit Growth (YoY) | 1.59% | -1.94% | -3.91% | -1.92% | -1.58% | -1.27% | 0.24% | -5.64% | -373 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 | 0.24% | 0.23% | 0.62% | 0.16% | 0.19% | 0.49% | 0.01% | 0.36% | +21 bps | |
| Allowance / Loans | 1.32% | 1.33% | 1.25% | 1.26% | 1.23% | 1.28% | 0.68% | 0.90% | -36 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 | 11.13% | 11.16% | 10.81% | 10.91% | 11.21% | 11.07% | 10.92% | 11.63% | +72 bps | |
| Equity / Assets | 8.76% | 9.01% | 8.25% | 8.21% | 8.74% | 8.56% | 16.46% | 17.28% | +907 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.47% | 106.23% | 108.80% | 107.55% | 107.54% | 107.00% | 102.35% | 106.29% | -125 bps | |
| Liquid Assets / Assets | 0.40% | 0.40% | 0.32% | 0.24% | 0.25% | 0.24% | 0.03% | 0.19% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |