Gnadenhutten, OH · Cert 28749
FDIC
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 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.
Gnadenhutten, OH · Cert 28749
FDIC
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -0.01% | -0.34% | -0.40% | -0.37% | -0.09% | -1.66% | -1.72% | -132 bps | |
| Return on Equity | -1.46% | -0.10% | -4.57% | -5.26% | -4.81% | -1.08% | -20.59% | -21.57% | -1,631 bps | |
| Net Interest Margin | 1.91% | 1.96% | 2.01% | 2.02% | 2.02% | 1.93% | 1.93% | 2.01% | -1 bps | |
| Efficiency Ratio | 88.50% | 100.00% | 99.47% | 97.96% | 96.49% | 101.06% | 128.93% | 125.82% | +2,785 bps | |
| Non-Interest Burden | 1.65% | 1.96% | 2.00% | 1.97% | 1.94% | 1.95% | 2.58% | 2.63% | +66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.19% | -4.99% | -12.27% | -14.57% | -11.68% | -6.75% | -14.38% | -14.39% | +19 bps | |
| Loan Growth (YoY) | 13.50% | 0.63% | -7.27% | -11.63% | -12.25% | -13.06% | -15.74% | -16.23% | -460 bps | |
| Deposit Growth (YoY) | 15.13% | -3.35% | -14.40% | -18.61% | -14.68% | -8.07% | -10.32% | -10.00% | +861 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 | 0.14% | 1.42% | 0.73% | 0.55% | 0.55% | 1.19% | 0.78% | 0.99% | +44 bps | |
| Allowance / Loans | 1.07% | 0.78% | 1.22% | 1.45% | 1.44% | 1.36% | 1.47% | 1.71% | +26 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 | 13.23% | 13.78% | 14.25% | 14.48% | 14.70% | 15.04% | 14.68% | 14.16% | -32 bps | |
| Equity / Assets | 7.32% | 7.66% | 7.63% | 7.83% | 8.06% | 8.15% | 7.90% | 7.64% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.89% | 103.56% | 106.17% | 105.33% | 104.79% | 97.94% | 99.75% | 98.05% | -729 bps | |
| Liquid Assets / Assets | 0.83% | 2.15% | 1.20% | 1.93% | 4.88% | 11.78% | 8.77% | 10.38% | +845 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |