Troy, OH · Cert 28148
FDIC
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 1.12% | 1.23% | 1.30% | 1.11% | 1.00% | 1.09% | 1.06% | -24 bps | |
| Return on Equity | 5.07% | 6.18% | 6.81% | 7.14% | 6.13% | 5.41% | 5.89% | 5.72% | -142 bps | |
| Net Interest Margin | 2.96% | 3.10% | 3.37% | 3.42% | 3.44% | 3.46% | 3.38% | 3.29% | -12 bps | |
| Efficiency Ratio | 53.16% | 48.39% | 46.54% | 45.40% | 46.07% | 50.64% | 51.78% | 51.43% | +604 bps | |
| Non-Interest Burden | 1.40% | 1.26% | 1.32% | 1.25% | 1.32% | 1.52% | 1.46% | 1.42% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.19% | -4.96% | -5.38% | -6.16% | 0.16% | -3.14% | 2.87% | 4.13% | +1,029 bps | |
| Loan Growth (YoY) | -5.53% | -5.32% | -5.01% | -5.79% | -3.88% | -3.11% | -6.25% | -6.48% | -69 bps | |
| Deposit Growth (YoY) | -7.38% | -1.66% | -0.59% | 5.44% | 11.41% | 11.51% | 15.13% | 15.45% | +1,001 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 | 0.08% | 0.01% | 0.42% | 0.29% | 0.22% | 0.20% | 0.13% | 0.14% | -15 bps | |
| Allowance / Loans | 0.87% | 0.92% | 0.75% | 0.76% | 1.05% | 1.12% | 1.18% | 1.24% | +47 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 | 13.93% | 15.14% | 14.00% | 14.64% | 14.68% | 15.44% | 16.11% | 16.29% | +165 bps | |
| Equity / Assets | 17.74% | 18.36% | 18.10% | 18.57% | 17.86% | 19.07% | 18.64% | 18.84% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 159.18% | 144.97% | 139.07% | 140.36% | 137.34% | 125.95% | 113.24% | 113.69% | -2,666 bps | |
| Liquid Assets / Assets | 0.07% | 0.02% | 0.14% | 0.07% | 0.09% | 0.07% | 0.08% | 0.03% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |