Zanesville, OH · Cert 28624
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 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.
Zanesville, OH · Cert 28624
FDIC
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.60% | 1.40% | 1.28% | 1.56% | 1.57% | 1.64% | 1.74% | 1.80% | +24 bps | |
| Return on Equity | 18.19% | 16.27% | 15.63% | 18.51% | 18.21% | 19.04% | 20.43% | 21.24% | +273 bps | |
| Net Interest Margin | 3.53% | 3.22% | 3.47% | 3.63% | 3.59% | 3.69% | 3.76% | 3.80% | +16 bps | |
| Efficiency Ratio | 46.94% | 49.99% | 51.00% | 46.65% | 46.48% | 46.88% | 45.22% | 44.08% | -256 bps | |
| Non-Interest Burden | 1.11% | 1.09% | 1.31% | 1.01% | 1.02% | 1.09% | 1.10% | 1.04% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.67% | 4.69% | 0.03% | -2.51% | 2.15% | -2.62% | 0.74% | 4.90% | +741 bps | |
| Loan Growth (YoY) | 1.98% | 1.67% | 0.74% | -0.71% | 1.25% | 3.49% | 2.80% | 5.84% | +655 bps | |
| Deposit Growth (YoY) | 0.47% | 5.09% | 7.40% | 6.14% | -0.46% | -2.02% | -6.14% | -5.85% | -1,199 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 | 0.09% | 0.10% | 0.38% | 0.31% | 0.28% | 0.27% | 0.06% | 0.12% | -19 bps | |
| Allowance / Loans | 2.11% | 2.10% | 2.09% | 2.08% | 2.06% | 1.86% | 1.87% | 1.77% | -31 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 | 13.12% | 10.44% | 11.12% | 11.87% | 12.31% | 10.95% | 10.67% | 10.81% | -106 bps | |
| Equity / Assets | 9.46% | 7.86% | 8.51% | 9.00% | 9.16% | 8.59% | 8.47% | 8.43% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.26% | 103.74% | 101.24% | 103.54% | 109.10% | 109.58% | 110.88% | 116.39% | +1,286 bps | |
| Liquid Assets / Assets | 1.19% | 1.13% | 1.27% | 1.22% | 1.15% | 1.16% | 1.15% | 1.08% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |