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Oak Hill Banks

Jackson, OH · Cert 27933

FDIC

Q1 2008

$1.3BAssets
$969.8MLoans
$912.4MDeposits
$230.9MEquity
Loan mix
89%RE $719.6M11%C&I $89.5M0%Consumer $3.9MQ1 2007Q1 2008
Deposit mix
95%Interest-bearing $870.3M5%Noninterest $42.1MQ1 2007Q1 2008

NIM

6.13%Q1 ’066.56%Q1 ’075.85%Q1 ’08-7%+5%

Non-interest income vs. expense

2.42%Q1 ’062.39%Q1 ’072.39%Q1 ’08+9%+2%

Executive Summary

  • Earnings: ROA of 0.53%, down 35 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.36%.
  • Funding: loans stand at 106.29% of deposits as of Q1 2008.

Financial Results

Return on Assets (quarter, annualized)

0.53%-35 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+16 bps YoY

Efficiency Ratio (quarter, annualized)

59.74%-394 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets0.88%1.33%-1.32%-0.56%0.53%-35 bps
Return on Equity10.66%15.76%-15.25%-4.43%3.15%-751 bps
Net Interest Margin3.02%3.01%3.09%-8.13%3.18%+16 bps
Efficiency Ratio63.68%57.93%59.87%64.96%59.74%-394 bps
Non-Interest Burden1.76%1.31%1.58%-4.09%1.79%+3 bps
Growth
Asset Growth (YoY)3.70%1.91%1.51%9.35%3.54%-16 bps
Loan Growth (YoY)1.23%0.36%-0.55%-5.70%-6.74%-798 bps
Deposit Growth (YoY)-1.92%-1.58%-1.27%0.24%-5.64%-373 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%0.23%1.09%-1.51%0.36%+21 bps
Allowance / Loans1.26%1.23%1.28%0.68%0.90%-36 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.91%11.21%11.07%10.92%11.63%+72 bps
Equity / Assets8.21%8.74%8.56%16.46%17.28%+907 bps
Liquidity & Funding
Loans / Deposits107.55%107.54%107.00%102.35%106.29%-125 bps
Liquid Assets / Assets0.24%0.25%0.24%0.03%0.19%-5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a