Gnadenhutten, OH · Cert 28749
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.71% | -0.01% | -0.69% | -0.52% | -0.28% | -0.09% | -3.27% | -1.87% | -135 bps | |
| Return on Equity | -9.88% | -0.10% | -9.08% | -6.71% | -3.49% | -1.08% | -40.74% | -24.06% | -1,734 bps | |
| Net Interest Margin | 1.89% | 1.96% | 1.98% | 1.84% | 1.95% | 1.93% | 1.85% | 1.81% | -3 bps | |
| Efficiency Ratio | 97.31% | 100.00% | 98.86% | 94.87% | 92.24% | 101.06% | 162.42% | 119.27% | +2,440 bps | |
| Non-Interest Burden | 1.82% | 1.96% | 1.96% | 1.73% | 1.76% | 1.95% | 3.12% | 2.26% | +53 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 | 0.22% | 1.42% | 0.00% | 0.14% | 0.47% | 1.19% | 0.30% | 1.34% | +120 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 |