Zanesville, OH · Cert 28624
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.56% | 0.83% | 1.28% | 1.86% | 1.61% | 1.84% | 1.74% | 1.87% | +1 bps | |
| Return on Equity | 17.07% | 9.54% | 15.63% | 21.27% | 17.73% | 20.73% | 20.43% | 22.16% | +89 bps | |
| Net Interest Margin | 3.46% | 2.31% | 3.47% | 3.70% | 3.64% | 3.83% | 3.76% | 3.86% | +16 bps | |
| Efficiency Ratio | 47.26% | 62.04% | 51.00% | 42.89% | 46.16% | 48.05% | 45.22% | 43.00% | +11 bps | |
| Non-Interest Burden | 1.08% | 1.02% | 1.31% | 0.68% | 1.06% | 1.27% | 1.10% | 0.99% | +31 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 | 0.16% | 0.13% | 0.38% | 0.23% | 0.22% | 0.27% | 0.06% | 0.18% | -5 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 |