Zanesville, OH · Cert 29575
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.02% | 1.94% | 2.04% | 1.93% | 1.65% | 1.76% | 1.71% | 1.70% | -22 bps | |
| Return on Equity | 31.05% | 31.95% | 32.00% | 29.12% | 25.81% | 29.47% | 29.35% | 28.15% | -97 bps | |
| Net Interest Margin | 4.63% | 4.28% | 4.13% | 4.36% | 4.27% | 3.99% | 3.72% | 3.89% | -47 bps | |
| Efficiency Ratio | 43.74% | 44.31% | 42.72% | 43.59% | 44.84% | 48.38% | 47.71% | 47.50% | +391 bps | |
| Non-Interest Burden | 1.29% | 1.17% | 0.99% | 1.07% | 1.16% | 1.32% | 1.22% | 1.29% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.39% | 10.57% | 3.05% | 2.42% | 15.95% | -0.80% | 15.23% | 12.46% | +1,004 bps | |
| Loan Growth (YoY) | -0.18% | 5.64% | 6.50% | 4.16% | 5.24% | 2.00% | 4.30% | 7.26% | +309 bps | |
| Deposit Growth (YoY) | 6.04% | 3.02% | -0.62% | -1.27% | 1.59% | -0.01% | 5.66% | 7.26% | +853 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 | 0.18% | 0.01% | 0.10% | 0.61% | 0.54% | -0.08% | 0.00% | 0.05% | -56 bps | |
| Allowance / Loans | 2.28% | 2.28% | 2.30% | 1.95% | 2.32% | 2.33% | 2.28% | 2.22% | +27 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 | 12.44% | 12.61% | 13.69% | 14.11% | 11.83% | 12.80% | 12.79% | 13.48% | -63 bps | |
| Equity / Assets | 6.18% | 5.96% | 7.03% | 7.34% | 5.56% | 6.43% | 5.57% | 6.68% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.10% | 84.98% | 87.29% | 89.27% | 86.08% | 86.70% | 86.16% | 89.26% | -1 bps | |
| Liquid Assets / Assets | 11.16% | 10.44% | 4.94% | 1.88% | 1.12% | 0.70% | 0.00% | 0.85% | -103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |